1. 18-65 years old, with full capacity for civil conduct, with a fixed residence and legal and valid identity documents in the local area;

2. Having a legal and valid production and operation certificate, those engaged in special industries shall hold a business license for special industries issued by the competent examination and approval department;

3. Have management experience in this industry and have been engaged in this industry for more than 2 years, and have certain management capabilities;

4. It has stable operating income and the ability to repay the loan principal and interest on schedule;

5. The secured loan must be legal, effective and worthy of guarantee;

6. Good credit record;

7. Meet other conditions of Agricultural Bank of China.

First, personal skills to find a bank loan:

1. Give a good reason.

In the process of applying for a loan, the lender should be frank and clear about the reasons for the loan, and write down the purpose of the loan and your advantages in repaying the loan in detail, which can be proved by the personal credit of the bank.

2. Fill in the loan description carefully.

The borrower should fill in the application materials in detail, including all information background and family situation, to ensure that your loan can be repaid on time no matter when, where and what.

3. Fill in the loan amount appropriately.

Some people have a misconception that the higher the application amount, the better, but it is not. It is suggested that the loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure, and the lender can appropriately reduce the loan amount, so there is no need to worry about being rejected because the amount is too large.

Two. Matters needing attention for individuals seeking bank loans:

1. The first thing a bank needs to determine is your credit information.

Personal credit is very important when you apply for a loan from a bank, especially when you apply for a credit loan. According to the relevant regulations, if the borrower has a bad credit record three or six times in a row within two years, then you will not be able to get a bank loan.

2. How is your income?

The bank examines your income level to determine whether you have the ability to repay. The income level of the borrower will not only affect whether the borrower can get a loan, but also affect the loan amount of the borrower. The higher the borrower's income, the higher the loan amount. However, in order to ensure the stability of the borrower's income, banks usually require borrowers to provide proof of bank running water for more than half a year.

3. Provide proof of assets.

If it is a mortgage loan, the borrower needs to provide collateral as collateral. If it is an unsecured loan, the borrower can provide proof of income and assets at the same time, which will help to obtain the loan smoothly and increase the loan amount.