Application conditions:
1. Citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents) have full capacity for civil conduct;
2. Having a fixed residence at the place where the loan handling bank is located, and having a fixed residence or a valid residence certificate;
3. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
4. Have a good credit record and willingness to repay;
5, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
6. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;
7. Can provide legal, effective and reliable mortgage (pledge) recognized by the bank;
8. Open a personal settlement account in China Industrial and Commercial Bank;
9. Other conditions that meet the requirements of the corresponding loan varieties.