1. loan purpose: the convenient loan of rural commercial bank has passed the preliminary examination, and the loan purpose is reasonable, compliant and has profit potential, so the loan interest rate will be relatively high.

2. Credit evaluation of the borrower: If the borrower has a good credit record, does not have too many outstanding debts and has a stable income, the down payment ratio will be relatively high.

3. Loan amount: If the loan amount is within the acceptable range of the bank, the down payment ratio will be relatively high.