Procedure:

1. Personal identification: When applying for a credit loan, a necessary procedure is personal identification. Applicants are required to provide the original and photocopy of valid ID cards.

2. Income proof: Rural commercial banks need to verify the income of loan applicants, so they need to provide income proof, such as income proof letter, tax payment certificate, payroll, bank running water, etc.

3. proof of residence: if you apply for a resident loan, you need to provide proof of residence, such as utilities, housing lease contract, etc.

4. Purchase contract: If you apply for a purchase loan, you need to provide the purchase contract and relevant housing documents.

5. Proof of assets: Rural commercial banks also need to know the assets of the applicant, so they need to provide proof of assets, such as real estate license, vehicle license plate and deposit certificate.

Conditions:

1, age 18-60 years old, and the sum of the borrower's age and the loan term is not more than 65 years old, so it is a natural person with full civil capacity.

2. Having a fixed residence or a stable production and business operation place in the banking service area.

3. Be law-abiding, have a good credit record, and have no major bad credit record.

4. The purpose of the loan is clear, legal and compliant.

5. Have the ability to repay the loan principal and interest on time.