2. The applicant has a stable income and the ability to repay the loan principal and interest;

3. The applicant has a good reputation and no overdue stains on personal credit information;

4. The applicant is preferably a local resident and can provide relevant guarantees.

As for how much money you can borrow, it depends on the type of loan you apply for and the qualifications of the lender. If you apply for a consumer loan, the amount is mostly 6.5438+10,000 to 200,000. If you apply for a mortgage loan, the amount will be much higher, and 500,000 to 654.38+00,000 is ok. The above are the relevant contents of what conditions are needed for rural loans and how much they can be loaned.

Disadvantages of bank loans

1, many procedures: handling loan business in banks is relatively complicated;

2. Strict requirements: providing bank loans to small and medium-sized enterprises requires collateral or third-party guarantee, and its mortgage requirements are strict;

3. Higher credit requirements: enterprises and enterprise legal persons must have higher credit records, otherwise it is difficult to pass the audit.

This article is mainly about what conditions are needed for rural loans and how much knowledge can be borrowed. The content is for reference only.