What is the qualification to make a loan in EMVertex credit?

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To qualify for a loan with EMVertex Credit, all the following criteria must be fulfilled:
i. Be a citizen or permanent resident of Singapore, or for foreigners, have a passport and employment pass
ii. Be at least 18 years of age, and is not an undischarged bankrupt, nor facing any bankruptcy proceeding
iii. Be permanently employed, have a valid work permit (for foreigners) of self-employed with a valid income proof