1. The borrower must be 18 years old and have full capacity for civil conduct;

2. Have full capacity for civil conduct and legal and valid identity documents;

3. Have the ability to repay the loan principal and interest;

4. Have a stable source of income;

5. Good credit status;

6. Other conditions stipulated by the Agricultural Bank.

China Agricultural Bank microfinance conditions:

1, age 18-65 years old;

2. China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct:

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts.

Good credit record;

4. Open a personal settlement account with the lending bank (it is agreed that the borrowing bank will deduct the loan principal and interest from the personal settlement account designated by it);

5. Meet other requirements stipulated by China Agricultural Bank (other requirements of China Agricultural Bank shall also be met).

Agricultural Bank loan application process:

1. The Agricultural Bank applies for a loan and provides relevant information.

2. The bank shall review the personal qualifications and materials of the borrower.

3. After approval, the bank signs a loan contract with the borrower.

4. The bank will issue loans.

5. The borrower needs to repay the loan on time.

Legal provisions: Article 17 of the General Rules for Loans in People's Republic of China (PRC).

If the borrower is a natural person, it shall meet the following basic conditions:

1, with legal identity documents or valid residence certificates in China,

2. Have full capacity for civil conduct,

3. Good credit, stable income or assets, and the ability to repay the principal and interest on schedule.

4, unless otherwise stipulated by the administrative organ.