The lender must be at least 18 years old, have full capacity for civil conduct, have permanent residence or valid residence status in China, have stable professional and economic income, have the ability to repay the principal and interest of the loan, have good credit, have no bad record, be able to provide a complete house purchase contract to prove the purpose of the loan, have certain self-owned funds, be able to pay the down payment according to the specified proportion, provide effective guarantee recognized by rural commercial banks, and meet other conditions of mortgage loans stipulated by rural commercial banks.

Whether the housing loan is good or not depends first on your loan amount and your interest rate. If the loan amount is high and the interest rate is low, rural commercial banks will definitely be chosen, but the interest rate of general rural commercial banks will be higher.