There are certain requirements for this. First of all, rural housing loans are loans for individual industrial and commercial households and natural persons with full capacity for civil conduct in the county. And must meet certain conditions, the age is between 18-60 years old, the borrower's residence or production and business premises should be within the service area of this union, and he is a domestic resident with full capacity for civil conduct. At the same time, the following conditions must be met: 1 The house that the borrower applies for loan construction must be approved by the local village and town construction department and conform to the local development plan. Two, the borrower is required to provide the approval documents or certification materials of the rural construction department. Three, the borrower should have no less than the prescribed proportion of its own funds, strong credit concept, good credit status, and the ability to repay the loan principal and interest on schedule. Four, the borrower can provide individuals or units with sufficient compensation ability as loan guarantees, and can also use effective assets as collateral (pledge). Five, the borrower should open a personal settlement account in the loan credit cooperatives (Department), and voluntarily accept the credit supervision and settlement supervision. In addition to meeting the above conditions, there are also certain requirements for loan amount and loan term, both of which can be determined according to their own economic level and income sources.