1. The economic development of the local city is steady, financial status is well;

2. The engaging land purchasing, reserving， transferring and other operation activities must accord with the concerned laws and regulations and policies of the nation and the local, have the perfect working rules and regulations;

3. Checked and approved and registered by the managing organization, have legal person qualification of enterprise (public institution),get legal person certificate of enterprise (public institution), organization code certificate of enterprise (public institution), and handle the annual inspection procedure;

4. Open basic deposit account or general deposit account at our bank;

5. Have the loan card checked and issued by the People’s Bank and passed the annual verification;

6. No bad credit record;

7. Financial system is perfect, fund operation model is workable, fund operation is sealed, repaying fund is in place;

8. The preparing investment to the land of the loan is that the intended use of planning will be the commodity residence, commercial installation and other operation land, with good location, possess the conditions of development and construction, have great potential of added value, have better transferring prospect, accord with the city planning and the total planning of land utilization approved by the concerned departments, already has been listed into the annual land reserving plan of the local government. Refers to the loan of rural using land, should have the legal rural land diversion procedure and land acquisition procedure, accord with the concerned regulations of The Inform of the Concerned Problems about Enhancing the Land Regulating and Controlling of the State Council;

9. The self-raised fund has been all in place, and put into use before the loan;

10.To carry out loan guarantee, the loan guarantee is legal, effective, full value, accord with the concerned regulations of the loan guarantee of our bank of China;

11. The other loan conditions demanded by our bank.