1. The loan applicant must be at least 18 years old, have full capacity for civil conduct, and provide valid identity documents.
2. The applicant should have a stable address, work place or business premises, a stable source of income and the ability to repay the loan on time.
3. Personal credit information must be good, no bad credit record, work in a unit recognized by the lending institution, or the lending institution has a cooperative relationship with the applicant's unit.