1. Aged over 18 years old and under 65 years old, living in a Bank of Communications;

2. And having full capacity for civil conduct;

3 , have a stable job, and the income can meet the repayment needs;

4. Applicants must have certain proof of assets, such as bank deposits, stocks, bonds, vehicles, real estate, etc.;

5. Applicants need to have a good credit record and no major default records.