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

2. Have permanent residence in cities and towns or valid residence status.

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

The bank will ask the applicant to apply for the bank's credit card, or to borrow from a bank with a good credit record.

5. The bank also requires the provision of work mortgage or pledge recognized by the bank, or a unit or individual that meets the prescribed conditions and has compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities.