1,18-China citizens with full civil capacity between the ages of 65.

2. Have a legal and stable occupation and income, and have the ability to repay the loan principal and interest on schedule.

3. Have a good credit record and willingness to repay, and no record of illegal acts.

4. Legal, effective and reliable guarantee recognized by the lending institution shall be provided.

5. Having a fixed residence at the place where the lending institution is located, and having a fixed residence or a valid residence certificate.

6. The purpose of the loan is clear and legal, in line with the relevant provisions of the loan.

7. Other conditions required by the lending institution.