1. Object of the loan: A natural person over 63 years old and has a normal checks, bills and credit records.

2. Collateral: The provision of the premises owned by the borrower alone or jointly by a married couple as a guarantee. The purpose of the building registration should include the words "residential," "commercial use," "farmhouse," "apartment," or "residence."

3. Term of loan: For those who are 65 years old or above, the maximum period shall be 30 years, and the total number of the period plus the borrower's age shall not be less than 95; 30 years for those under the age of 65; If the collateral is jointly owned by a married couple, the loan period is calculated on the basis of the younger age.

4. Amount : Using equal principal payment for the monthly quota, the maximum amount is 70%.