1, with permanent residence or valid residence status in this city;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3. Have purchased houses or own houses;

4. Holding a decoration project contract or purchasing decoration products;

5. There are assets recognized by the bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors who bear joint and several liabilities;

6. Willing to accept other reasonable requirements put forward by the bank.