1. The borrower is a resident of Chinese mainland and can provide valid legal identification;

2. The borrower has lived in his current residence and current work place for more than one year;

3. The borrower can provide proof of work;

4. The borrower has information on house pledge or mortgage approved by the bank or lending institution;

5. The borrower is of good quality, law-abiding, and has no illegal acts;

6. Other relevant materials required by banks or lending institutions.