Yes.

The borrower must be at least 18 years old, have full capacity for civil conduct, have a permanent residence or valid residence status in China, have a stable career and economic income, and have the ability to repay the principal and interest of the loan. The lender has good credit and has no bad records. The lender can provide a complete purchase contract that proves the purpose of the loan. The lender has a certain amount of its own funds and can pay the down payment according to the prescribed ratio. The lender can provide a loan approved by the Rural Commercial Bank. Effective guarantee, the lender meets other conditions stipulated by Rural Commercial Bank for mortgage loans.

Whether the housing loan you apply for is good or not, it first depends on your loan amount and your interest rate. If the loan amount is high and the interest rate is low, you will definitely choose a rural commercial bank, but generally the interest rates of rural commercial banks will be relatively higher.