1. Applicant 18 years old or above, holding a second-generation resident ID card and having full capacity for civil conduct.

2. The applicant has a stable job, a legitimate monthly income and the ability to repay the principal and interest.

3. The applicant's personal credit is good, and it has been overdue for no more than three times in the last year.

4. The applicant has legal residence status in his current place of residence and provides relevant certificates.

5. The applicant needs to meet other conditions required by Qingdao Bank.

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