1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, have the ability to repay the loan principal and interest on schedule, and can provide relevant supporting documents;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Open a personal settlement account in a loan bank;
7. Other conditions stipulated by the bank;
8. No record of non-performing loans in banks and other financial institutions;
9. If the guarantee method is adopted, it can provide legal and effective pledge, mortgage or guarantee recognized by the bank.