Credit union loans need to meet the following conditions:

Being 18-65 years old (inclusive) and having full capacity for civil conduct;

Abide by laws and regulations, be honest and trustworthy , no bad credit record;

Voluntarily accept the supervision of the loan issuing agency on the funds in his account;

Have a stable source of income and the ability to repay the loan as agreed;

The guarantor must have sufficient economic strength and the ability to repay the loan, and must be an enterprise with legal person qualifications, other economic organizations, individual industrial and commercial households, or a natural person with full civil capacity;

Mortgage The property must be fixed on the ground and easily liquidated, and the loan amount must be controlled within 70% of the collateral;

The pledged property, certificates, and rights are true and clear, and the bills are legal and valid;

Other conditions stipulated by rural credit cooperatives.