(1) The age of the loan applicant is above 18 years old (inclusive), and the age plus the loan period is not more than 60 years old.

(2) The agricultural machinery purchased by the loan applicant is the first-hand agricultural machinery purchased directly from the agricultural machinery seller.

(3) Holding the purchase agreement of agricultural machinery and tools signed with the dealer designated or recognized by the lender.

(4) Have the ability to pay the down payment and repay the loan for the purchased agricultural machinery.

(5) Being able to provide a guarantee recognized by Harbin Bank.