1. The applicant is between 18 and 30 years old, has full capacity for civil conduct and holds a valid ID card.

2. The applicant has a stable job and economic income, has a certain repayment ability, and can repay on time.

3. The applicant has good personal credit and no record of bad behavior.

Meet the above conditions, you can apply at Bank of Communications outlets, or log on to Bank of Communications official website (m.com/content/index.html) for online application.