1. Have permanent residence or valid residence status in cities and towns;

2 have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3 do not enjoy the purchase subsidy, not less than 30% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, with 30% of the personal commitment as the down payment;

4. Use assets recognized by the bank as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the Bank, and documents to be issued when applying for loans.

Materials to be prepared for handling personal loan card

1. At least 18 years old (including 18 years old) but under 60 years old, has a fixed residence in the countryside, is in good health, has full capacity for civil conduct and labor, and holds valid identity documents;

2. It is the rural household head or other family members designated by the household head in writing;

3. Engaged in agricultural production and operation such as agriculture, forestry, animal husbandry and fishery, or non-agricultural production and operation activities such as industry, commerce, construction, transportation and service industry;

4. Other conditions required by the bank. Generally speaking, the credit period of farmers' small loans does not exceed 1 year, and the longest is not more than 3 years. The amount of small loans for farmers is 30,000-50,000 yuan.