1. The borrower holds valid identity documents and is a natural person with civil capacity.

2. The borrower has a legal and stable income and the ability to repay the principal and interest of the loan on time.

3. Personal credit record is good.

4. Open a personal settlement account in China Industrial and Commercial Bank.

5. Be able to provide materials such as decoration engineering contracts and decoration materials procurement signed with decoration enterprises.

6. Other necessary conditions required by China Industrial and Commercial Bank.