1, a citizen of China who has a fixed residence in China, a fixed residence in a local town or other valid documents and has full capacity for civil conduct;

2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

5. Open a credit card or current savings account in a bank;

6. Sign an agreement with the lender to deduct the loan from its credit card or current savings account;

7. Other conditions stipulated by the lender.

Required materials

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.