That means the developer of the store you bought has cooperated with the Rural Commercial Bank and designated the Rural Commercial Bank as the lending bank.

All commercial banks can provide commercial loans, as long as they meet the bank's conditions. Unless the developer cooperates with a designated bank, it can only obtain loans from the designated bank.

Conditions for applying for a shop loan:

①Have a legal and valid residence status;

②Have a contract or agreement for purchasing a shop house;

③ Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan on time;

④ Have a down payment of no less than 50% of the total price of the shop purchased;

⑤ Agree to use the purchased store as collateral or provide assets recognized by the lending bank as collateral or pledge, or have a unit or individual with guarantee qualifications and sufficient solvency as a guarantor to repay the principal and interest of the loan and assume joint and several liability.