1. The age must be above 18 years old (inclusive), and the sum of my age and loan years when applying for a loan cannot exceed 65 years old (inclusive). The borrower must have a fixed residence in the countryside, be healthy, have full capacity for civil conduct and work, and hold valid identity documents.
2. The borrower should have a relatively stable income and the ability to repay the principal and interest of the loan on schedule, be of good conduct, meet the requirements of the Agricultural Bank of China on the credit rating of "three rural" customers, and the credit rating should be above the average level.
3. The production and business operation activities of the borrower shall comply with national laws and regulations.
4. When applying for a loan, the borrower shall not have overdue loan records.
Generally, users who meet these conditions can apply for loans to benefit farmers.