1. According to the information of China Postal Savings Bank official website, the annual income of the applicant must reach more than 200,000 yuan, or the total annual income of both husband and wife must reach more than 400,000 yuan.

2. The total assets of the applicant in the Postal Savings Bank (including time deposits, demand deposits, wealth management products, funds, insurance, etc.). ) must reach more than 500,000 yuan.

3. The current personal loan balance of the applicant in the Postal Savings Bank should reach more than 200,000 yuan.

4. The applicant has a good credit record in other banks in the past three months, and there is no overdue or bad record.