1. Applicants are required to be between 18 and 60 years old and have full capacity for civil conduct. 2. The applicant has stable and legal income and the ability to repay the principal and interest of the loan on time. 3. The applicant's personal asset-liability ratio shall not be higher than 70. 4. The applicant has opened a basic dissolution account in Yunnan Rural Credit Cooperative and accepted the supervision and inspection of the credit cooperative. 5. The applicant’s credit status is good and there is no bad credit record. 6. Other conditions stipulated by Yunnan Rural Credit Cooperatives.

The above are the conditions that need to be met for a loan. Most banks also have this requirement. I hope it can help you.

Yunnan Rural Credit Cooperatives generally refer to Yunnan Province Rural Credit Cooperatives, which were established in 2005. It mainly provides customers with various banking services, including collecting public deposits, granting loans and other banking services.