1, a natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Have a local permanent residence or valid residence certificate and a fixed residence.

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

4. Willing to use the vehicle as collateral and be able to provide collateral approved by the lender.

5. Holding a car purchase contract or agreement approved by the local Postal Savings Bank.