1. The applicant is between 18 and 65 years old, has full capacity for civil conduct, and is a legal resident of mainland China.

2. Applicants must have a bachelor’s degree or above. If they have a junior college degree, they must have worked for more than three years.

3. Applicants must have a stable job and a monthly income that can repay the loan principal and interest on time.

4. Applicants can provide additional proof of financial resources, such as houses, cars, deposits or financial management, bonds, stocks, etc.

5. Have a good personal credit record, no overdue records, cash out and other bad behaviors.