1. Borrower 18 years old or above;

2. The borrower has a loan purpose certificate;

3. It can provide collateral recognized by rural credit cooperatives, and the evaluation value of general collateral is higher than 300,000 yuan;

4. Having a fixed residence or business premises;

5. Have a stable source of income and be able to repay the loan on time;

6. The borrower has good credit;

7. Have full capacity for civil conduct;

8. Be able to open a settlement account in a credit cooperative.

Second, what kind of repayment ability is it to borrow more than 300,000 yuan from a bank without collateral?

Credit information is very good, there is a good repayment record, the bank has a lot of funds, or the unit belongs to civil servants and institutions and has social security provident fund, so it is best to handle it.

3. How can I repay more than 300,000 bank loans without collateral?

At the very least, you should have a house, a car and a good credit report, with a monthly salary of about 20 thousand

4. What kind of repayment ability is it to borrow more than 300,000 yuan from a bank without collateral?

Excellent credit, is a quality customer of this bank. Have a certain deposit and earn a lot of money.