1. Age requirement: The borrower must be at least 22 years old and not more than 60 years old (for some products such as Express E-Pass, the age requirement is 18-65 years old) and have full capacity for civil conduct.
2. Resident status: The borrower must be a Chinese mainland resident and hold a valid identity document.
3. Customer relationship: The borrower must be a customer of CCB, including customers such as deposit, wealth management and mortgage.
4. Credit status: The borrower's credit status needs to be good, and there is no bad record or serious negative information in the credit report.
5. Repayment ability: The borrower must have a stable job and income, have the ability to repay the principal and interest of the loan on time, and provide corresponding work certificates and income certificates.
6. Loan purpose: The borrower should provide clear and compliant loan purposes, such as house decoration, car purchase, education and other consumer expenses.