1. Banks and large loan companies in Lhasa are relatively formal loan channels. Generally speaking, the borrower needs to meet the following conditions: the borrower needs to be at least 18 years old and have full capacity for civil conduct.

2. The borrower must have a permanent residence or valid residence status in the local town of Lhasa.

3. The borrower needs to have a good credit record and the ability to repay the principal and interest of the loan.

The borrower has a clear consumption intention or has signed relevant consumption contracts.

5. Can provide a guarantee recognized by the lender.

6. Other loan conditions required by the lending bank.