2. The applicant should be 18-60 years old.
3. Have a stable residence in the place where you apply for a loan and be able to provide proof.
4. Have an account in a rural commercial bank.
5. Meet other loan requirements of rural commercial banks.
In addition to the above loan conditions, you also need to provide a real estate license as a mortgage loan. If you don't have a house as collateral, you can apply for a small credit loan. The applicant's credit standing is good.