1. Age requirements: Applicants must be at least 18 to 7 years old and have full capacity for civil conduct.

2. income conditions: the applicant should have a stable occupation and income source, be able to repay the principal and interest on time, and have a good credit.

3. Credit status: The applicant must not have bad credit records, including overdue repayment, arrears, breach of contract, etc. The bank will evaluate the applicant's credit status by querying the personal credit report.