In fact, it is not difficult to get a loan from a rural commercial bank. Compared with state-owned banks, the loan threshold of rural commercial banks is still slightly lower. Moreover, rural commercial banks are joint-stock local financial institutions composed of multiple shareholders, and the loan threshold will be tailored to local conditions. If the individual comprehensive qualifications of local residents are better, then the loan threshold will naturally increase a little. If the comprehensive loan qualification of local residents is not very good, then the threshold for applying for loans will be lower.
At present, the basic conditions of rural commercial bank loans are: the lender must be 18 years old or older; Personal credit information has a good record and no major bad record; Personal income is stable and can be repaid; Personal home address and business address are within the jurisdiction of bank branches. But the specific loan conditions should be determined according to the loan products.