1. It has a legal and valid house sales contract, and the house purchased is for residence;

2. The down payment for the house purchase has been paid, and it is not less than the minimum specified proportion, and there are relevant certificates;

3. Set mortgage guarantee with the purchased house;

4. Have good credit and full capacity for civil conduct;

5. Other conditions stipulated by the Agricultural Bank of China.

Second, the car loan:

1, the down payment for car purchase has been paid, and it is not less than the specified proportion;

2. Can provide qualified guarantee;

3. Have a local household registration certificate or a valid identity certificate;

4. The applicant is between 18 (inclusive) and 60 (inclusive);

5. Meet other conditions stipulated by the Agricultural Bank of China.

Legal basis: Article 5 of the Trial Measures of the People's Bank of China for State-owned Agricultural Loans shall be repaid on schedule. The loan period is generally not more than one year. In case of special circumstances, if it cannot be returned on time, the enterprise shall apply and the return may be postponed with the consent of the bank. The loan shall pay interest at the interest rate stipulated by the state.