1. The applicant must be between 22 and 60 years old and have full capacity for civil conduct.

2. The applicant has a good credit status and no bad overdue records.

3. Have a stable job and income, and be able to repay the principal and interest of the loan on time.

4. The applicant has legal residence status in the place where the bank is applying, and the lease contract must be more than 3 years.

5. The applicant is required to have certain properties in his name, such as deposits, cars, real estate, etc.