1. The applicant must be at least 18 years old, hold a second-generation ID card and have full capacity for civil conduct.
2. The applicant has a good credit record, and the cumulative overdue times in the past year cannot exceed 6 times.
3. The applicant has legal residence status in his current place of residence.
4. The applicant has a stable job and the ability to repay the principal and interest of the loan.
5. The applicant must have good moral quality, abide by the law, and have no illegal behavior.
6. The applicant needs to open a personal account in the Agricultural Bank.
7. The applicant can provide effective guarantee, mortgage and pledge recognized by the Agricultural Bank.