1. The applicant is a legal citizen of People's Republic of China (PRC) and has no criminal record;

2. The applicant is between the age of 18 and the age of 60;

3. Have a stable residence in the place where the loan is applied, and can provide proof;

4. apply for a mortgage loan and provide a real estate license. Through evaluation, you can borrow 70% of the value of the house.

5. If there is no real estate mortgage or the required funds are relatively small, you can also apply for a small credit loan.

6. Have an account in a rural commercial bank;

7. Other requirements for rural commercial bank loans.