1. The applicant must be a natural person who has reached the age of 18 and has full capacity for civil conduct.
2. The user's personal credit information is in good condition and there is no bad record in the credit information.
3. The user has opened a personal settlement account with Shanghai Pudong Development Bank for at least three months.
4. There are certain assets under the personal name. In addition to a stable income, it is also required that an individual's annual after-tax income is not less than 654.38+0.2 million yuan.