Generally speaking, to apply for a mortgage loan from Texas Rural Commercial Bank, the borrower must first meet the following conditions:

1. The applicant must be a natural person with full civil capacity.

2. The applicant holds a valid Chinese identity document and has a valid residence status in the local area.

3. No bad credit record and stable income source.

4. Assets recognized by the bank can be provided as collateral or pledge, and units or individuals that meet the prescribed conditions and have compensatory capacity can be used as guarantors to repay the loan principal and interest and bear joint and several liabilities.

5. Other conditions required by rural commercial banks.

Specific application process of rural commercial banks' mortgage loan;

1. The loan applicant applies for a mortgage loan from Dezhou Rural Commercial Bank with relevant materials.

2. After accepting the borrower's application, the lender shall verify the collateral, pledge and guarantor. If the mortgaged property is real estate, the appraisal institution will evaluate the house and issue an appraisal report to the bank for review. With the approval of rural commercial banks, applicants who meet the loan conditions will be given loan approval.

3. Dezhou Rural Commercial Bank signed a loan contract with the borrower and went through the mortgage registration procedures. After completing the relevant procedures, the rural commercial bank issues loans as agreed, and then the borrower repays the loan principal and interest on time as agreed in the contract until the loan is settled.