1. The borrower must be at least 18 years old and have full capacity for civil conduct.

2. The borrower needs a stable source of income and the ability to repay the principal and interest of the loan.

3 loans should be used in accordance with national policies, usually to support rural entrepreneurial projects or projects supported by national policies, such as aquaculture and planting.

4. The borrower shall provide proof of income and credit records, with good credit records and no bad credit records.

5. The loan application amount, term and currency should be reasonable.

6. The borrower shall provide valid identity certificate and residence certificate.

7. The borrower shall provide relevant certificates for the purpose of the loan.

8. Other conditions meeting the requirements of the bank.