1. The applicant is between 18-60 years old and has full capacity for civil conduct.

2. Applicants need to provide proof of work and income to the bank to ensure that they have the ability to repay on time.

3. The applicant's personal credit information should be good and ensure that there are no bad records in his credit information.

4. The applicant can provide financial proof to the bank in order to have a higher quota.