The borrower has full capacity for civil conduct, is over 20 years old (excluding Hong Kong, Macao and Taiwan and foreigners) but under 60 years old, holds legal and valid identity documents, and the sum of the borrower's age and the loan term is no more than 65 years old.

Have a fixed residence or a stable work unit in the local area.

The borrower and spouse meet the credit record conditions stipulated in the Measures for the Administration of Personal Credit Business of Agricultural Bank of China.

Provide legal, effective and sufficient real estate mortgage guarantee.

The credit score meets our standards.

Other conditions required by tier-one branches.

To apply for a venture loan, the borrower shall meet the following conditions:

The loan targets are individual industrial and commercial households, small and micro enterprise owners and other natural persons with production and operation certificates. Among them, the proportion of small and micro enterprises entrusted shares is not less than 30%. The production and operation certification materials include legal and valid business licenses, business licenses of merchants, booth licenses, etc. Tier-1 branches can identify the certification materials according to the principle of "the market is recognized and used by mainstream peers" to ensure the authenticity of the borrower's production and business activities.

The borrower has more than 65,438+0 years working experience, and the production and operation are normal at present.

Only one owner of the same small and micro enterprise can apply for housing mortgage e-loan for business operation.