- Proof of identity for the borrower and the guarantors.

- A written pledge to transfer the salary and entitlements.

- The customer should have a regular salary.

- Two-years tenure for private-sector employees or in accordance with the proposal presented to the customer’s employer.

- No matured or unpaid balances at other banks.

- The percentage of total payments must not exceed 50% of the salary.

- Customers should not be over 70 years old at the time of the last loan installment.