1. The applicant should be between 18 and 65 years old and have full capacity for civil conduct.

2. Have a stable job and income source. And have a fixed residence in the local area.

3. The sum of the daily average personal financial assets and a certain proportion of personal loan balance for three consecutive months is between 6,543,800 yuan (including 6,543,800 yuan) and 500,000 yuan or equivalent foreign currency.

4. Personal credit is good, and there is no bad credit record on the credit report.