You can apply as long as your credit record is good and you have a stable job.

Required conditions for borrowers

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan, Mainland China and foreign nationals are also acceptable)

2. Have stable Occupation, stable income, and the ability to repay the principal and interest of the loan on time

3. The borrower’s actual age plus the loan application period should not exceed 70 years old

Materials the borrower should provide

1. Identity cards, household registers of both spouses/temporary residence permit and household register for foreigners

2. 2 copies of marriage certificate/divorce certificate or court judgment/certificate of single status

3. Proof of income (in the format specified by the bank)

4. A copy of the business license of the unit (with official seal)

5. Proof of credit: including academic certificates, other real estate, Bank statements, certificates of deposit, etc.

6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, and financial statements.