1. The lender needs to be an account where the loan bank is located and have valid certificates;

2. The lender must have a legal and stable occupation and a stable income;

3. The lender has good credit, no bad record and full capacity for civil conduct;

4. The purpose of the loan is the legal currency required by the lender for production, operation and consumption, which must be reviewed by our bank;

5. However, the house that submits the loan must comply with the provisions of the Guarantee Law, and the house recognized by the Bank is used as the mortgage for the loan;

6. Before the application, the lender shall open a current deposit account with our bank and agree that our bank will deduct the loan principal and interest from the borrower's account on schedule.

In addition, the mortgage loan amount is relatively high, so the borrower needs to make a repayment plan in advance to avoid overdue.