The loan conditions of rural credit cooperatives in different places are different, but the usual conditions are: 1, and the borrower is a person with full civil capacity; 2. The purpose of the loan is clear, and the amount, term and currency are reasonable; 3. The borrower's credit status is good and there is no significant bad credit record; 4. Have a stable economic income and the ability to repay the loan principal and interest on schedule; 5. Being able to provide effective guarantees and mortgage (pledge) guarantees recognized by rural credit cooperatives; 6. Other conditions required by the lender.

Legal objectivity:

Notice of the People's Bank of China on Printing and Distributing the Interim Provisions on the Administration of Rural Credit Cooperatives Article 14 When granting loans, rural credit cooperatives shall abide by the following provisions: 1. Seriously implement the national industrial credit policy and adhere to the principle of differential treatment and preferential support; Two, implement the basic principles of loans stipulated by the state, abide by the "loan contract regulations"; Three, in order to improve social and economic benefits, to ensure the safety and liquidity of loans; Four, rural credit cooperatives give priority to loans to members; Five, rural credit cooperatives enjoy the autonomy of loans, no unit or individual may forcibly issue loans, and may not obstruct the recovery of loans.