1. Personal credit record is good and there is no overdue record.
2. Must have a stable job and income source, usually requiring more than three years of work experience.
3. Need to provide proof of work and real income.
It should be noted that the policies of each lending institution may be different, so it is recommended to consult relevant institutions for specific circumstances. At the same time, it should be understood that a down payment of 0 does not mean that there is no need to pay any fees. In addition to loan interest and various management fees, there may be a certain handling fee.