1. The applicant's age is over 18, and the applicant's age plus the loan period does not exceed 60.

2. The applicant has a permanent residence in the countryside.

3. The borrower has full capacity for civil conduct and valid identity documents.

4. The borrower has a stable job and economic income.

5, engaged in production and business activities, in line with national laws and regulations and industrial policies.

6. The lender agrees to other conditions required by the village bank.

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