China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive) and with full capacity for civil conduct;

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

Have a good credit record and willingness to repay, and no bad credit record;

Being able to provide legal, effective and reliable guarantees recognized by the bank;

There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;

Open a personal settlement account in a bank;

Other conditions stipulated by the bank.