The loan conditions of rural credit cooperatives are as follows: 1. Have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been formulated; 2. Except for natural persons and business legal persons that have not been approved and registered by the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments; 3. Rural areas have opened basic deposit account or general deposit accounts in lending institutions, and kept a certain amount of payment deposit in this account. ; Voluntary acceptance of the credit and settlement supervision and inspection of the loan agency can ensure that the business plan and related business and financial statements are submitted to the loan agency on a regular basis; 4. To apply for guarantee and mortgage loan, there must be a loan guarantor, collateral or pledge that meets the requirements. 5. The asset-liability ratio of rural borrowers shall not be higher than 7%. 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents shall be submitted in accordance with the requirements of project management. 7. Except as stipulated by the State Council, the accumulated amount of external equity interests of limited liability companies and joint stock limited companies shall not exceed 5% of their net assets; 8. Rural borrowers must apply for a loan card in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures as required. Legal objectivity:

Notice of the People's Bank of China on Printing and Distributing the Interim Provisions on the Administration of Rural Credit Cooperatives Article 14 When granting loans, rural credit cooperatives shall abide by the following provisions: 1. Seriously implement the national industrial credit policy and adhere to the principle of differentiated treatment and preferential support; Two, implement the basic principles of loans stipulated by the state, abide by the "loan contract regulations"; Three, in order to improve social and economic benefits, to ensure the safety and liquidity of loans; Four, rural credit cooperatives give priority to the members of the loan; Five, rural credit cooperatives enjoy the autonomy of loans, no unit or individual shall force the issuance of loans, and shall not obstruct the recovery of loans.