1. Have a proper occupation and a stable source of income (the monthly salary must be more than 2,000 yuan), and have the ability to repay the loan principal and interest on schedule.
2. The borrower's unit must be an administrative, enterprise or institution recognized by the Credit Information Center of Qingdao Bank and having a good cooperative relationship with the bank, and the bank will pay wages on its behalf.
3. Abide by the law, and have no illegal acts and bad records.