1. The applicant must be a natural person with full capacity for civil conduct.

2. Having a permanent urban residence or valid residence status means that the borrower is required to have a legal identity.

3. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan.

4. Some banks will require applicants to have applied for a credit card from the bank or borrowed money from the bank and have a good credit record.

5. Some also require assets recognized by the bank as mortgage or pledge, or a unit or individual that meets the prescribed conditions and has the ability to pay as a guarantor to repay the principal and interest of the loan and bear joint liability.