Basic conditions of the loan: the borrower is a natural person with full capacity for civil conduct, has a permanent residence in the local area, has a job, has the ability and willingness to repay the principal and interest, and has passed the examination.

Loan purposes: It can be used for comprehensive household consumption expenses such as house decoration, car purchase, travel, study abroad and purchase of consumer goods or services.

Loan amount: according to the borrower's basic conditions, repayment ability, credit status, guarantee and loan purpose, the loan amount is determined by comprehensive calculation; The maximum shall not exceed100000 yuan.

Term of the loan: determined by comprehensive calculation according to the actual situation of the borrower, and the longest term shall not exceed 10 year (inclusive).

Loan interest rate: The benchmark interest rate of loans of the same grade in the same period published by Lhasa Central Sub-branch of China People's Bank shall be implemented.

Loan guarantee: credit, guarantee, mortgage, pledge and combination guarantee can be used.

Repayment method: if the loan term is less than one year (inclusive), the repayment method of paying interest on a monthly basis and repaying the principal at maturity shall be adopted; If the loan term is more than one year, in principle, the repayment method of average capital or equal principal and interest should be adopted.