2. The applicant has a stable and legal job and income, and has the ability to repay the principal and interest of the loan on time;
3. No bad record and good credit record;
4. Meet other conditions stipulated by the bank.
Is Changsha Bank a state-owned enterprise or a private enterprise?
Changsha Bank is neither a state-owned enterprise nor a private enterprise. But a local joint-stock commercial bank. Local Finance Bureau, Changsha Kaifu Finance Bureau, Changsha Tianxin Finance Bureau and other 14 urban credit cooperatives and municipal credit cooperatives jointly initiated the establishment of a joint stock limited company.