Credit cooperative loan application conditions:

At least 18 years old (inclusive), and the sum of the age at the time of applying for the loan and the loan period shall not exceed 60 years (inclusive). Have a fixed residence in the countryside, be healthy, and have full capacity for civil conduct and labor.

Hold a valid identity document;

According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating for Agriculture, Countryside and Farmers, the customer credit rating result is good or above;

The source of income is stable, and it has the ability to repay credit on schedule;

Its production and operation activities are legal and conform to the national industrial, industrial and environmental policies;

Must provide legal, effective and sufficient guarantee;

The borrower and his spouse have a good credit record, and there is no record of overdue credit card loans and malicious overdraft when applying for loans, and there is no record of overdue for more than 90 consecutive days or more than 6 periods in the last 24 months.