1. Applicants must have legal identification, be between the ages of 18-60, and have a stable residence or business premises.

2. Good credit, ability to repay on time, legal use of the loan and relevant certification materials.

3. If the loan is secured by mortgage, it is also required to provide collateral that meets the requirements. The required documents include: ID card, household registration book, marriage certificate and other identification materials, bank account, passbook and other property qualification certificates, personal credit report, and loan use materials.

These conditions and certificates are the basic requirements for applying for loans from rural commercial banks to ensure the safety and compliance of loans.