1. The applicant must be at least 18 years old and have full capacity for civil conduct;

2. The applicant has a fixed occupation and stable income, can provide certain income proof, and has the ability to repay the principal and interest of the loan on time;

3. The applicant has no bad credit record and good personal credit status;

4. Provide legal and effective guarantee or mortgage recognized by Hangzhou Bank;

5. Other conditions stipulated by Hangzhou Bank, such as rooster loan, will also require the applicant to pay the provident fund for more than one year.