Applicants must first meet the requirements of 18-60 years old; Have a stable job and income; The necessary application documents are copies of identity certificates and work certificates; Provide other financial documents. The next step is to prepare detailed application materials, the specific materials are as follows:

1. Identity certificate: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

4. Other documents for reference include: personal account list of social insurance in the last six months, water, electricity and gas bills, credit card bills of other banks, etc.

After submitting the application, you can wait for a period of time to check the application progress. Generally, it can be queried in two ways. One is that the applicant goes to the bank branch for consultation, and the other is that the applicant calls the bank customer service for consultation.