Application conditions
1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;
2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. No bad credit record;
4. Loans cannot be used for stock trading, house purchase, gambling and other behaviors;
5. Other bank microfinance conditions stipulated by the lender.
Microfinance bank application materials
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; Temporary residence permit shall be provided in different places;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.