Lenders generally need to meet the following conditions:

1. Chinese citizens who have a fixed residence in China, a permanent residence in a local town, and are 18-65 years old;

2. Abide by laws and regulations, have no illegal behavior or bad credit record;

3. Have a legitimate and good job with stable economic income, and have the ability to repay the principal and interest of the loan on time;

4. Other conditions specified by the bank.