(1) has reached the age of 18, has full capacity for civil conduct, and the sum of the borrower's age and the loan term does not exceed 60 years, that is, the borrower must be an adult and have repayment ability;
(2) Have the ability to work and be the head of the family or the main member of the family;
(3) Have a permanent residence or long-term residence certificate of the rural credit cooperative and a fixed residence;
(4) Having legal and stable income and the ability to repay loans on time;
(5) The borrower and family members have no bad credit records;
(6) Opening a personal settlement account in a rural credit cooperative, with the main settlement business handled through the rural credit cooperative;
(7) Self-owned funds reach more than 30% of the total capital demand;
(eight) in line with the relevant requirements of the credit rating of rural credit cooperatives;
(nine) other conditions stipulated by the rural credit cooperatives.