1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, Chinese mainland and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.