1. The applicant is over 18 years old but under 65 years old, and the actual age of the lender plus the loan application period shall not exceed 70 years old;

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.