1. China citizens with permanent residence, local permanent residence and full capacity for civil conduct in China; ?

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Obtaining a personal credit rating above Grade A in the bank;

5. Open a personal settlement account in a bank;

6. Provide a strong guarantee;

7. Other conditions stipulated by the bank.