1. Applicant 18 to 60 years old, with full capacity for civil conduct.

2. The applicant has a stable job with an average monthly income of not less than 3,000 yuan.

3. The applicant has not been overdue for nearly six months and has a good credit record.

4. Applicants need to pay social security on time, and the social security balance is relatively large.

5. The applicant must have certain assets certificate.