Loan features: 1. Diverse uses: covering a variety of consumer uses to meet your various loan needs. 2. Diverse guarantees: including mortgage, pledge, guarantee, combination, etc. for you to choose flexibly. 3. Longer term: The maximum term can be up to 5 years, fully reducing your short-term repayment pressure. 4. Convenient and save money: You can choose one-time credit, recurring use, borrow and return at any time, which is convenient and saves money.

Application conditions: 1. Have legal and valid identity certificate and full capacity for civil conduct. 2. Have a good credit record and the ability to repay the principal and interest of the loan on time. 3. Have household registration or other valid residence certificate where the handling bank is located, and have a local fixed residence. 4. Be able to provide proof of consumption purpose recognized by our bank. 5. Other conditions specified by the handling bank.

Application materials: 1. Original identity documents, household registration booklet, and marriage certificate of the applicant and his/her spouse. 2. Income certification materials of the applicant and spouse. 3. Proof of local residence. 4. Materials proving consumer use. 5. Guarantee certification materials. 6. Other information required by our bank.