Meet the following loan conditions:

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4, apply for guarantee, mortgage, must have a qualified loan guarantor,

5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.