1. The applicant is between 18 and 65 years old and has full capacity for civil conduct.

2. The applicant has a formal job, not a student.

3. The applicant's annual income before tax reaches more than 80,000 yuan.

4. The applicant should have a stable job and pay the housing accumulation fund continuously.

5. College degree or above.

6. Have certain assets in Bank of Communications or have purchased wealth management products.

7. The applicant works as a manager in a listed company or a top 500 enterprise.