What kind of loan is E-loan for farmers?

1, agricultural e-loan is a loan launched by rural credit cooperatives. The credit line of agricultural e-loan shall not exceed 500,000 yuan in principle. Users can choose different terms when borrowing money, which can ensure timely return. Users must repay the loan on time after handling it, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. And overdue records will be uploaded to the credit center. After the arrears are returned, they will continue to be kept for 5 years and disappear automatically after 5 years.

2. Rural commercial credit e-loan needs the platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time.

How to apply for an e-loan from a rural commercial bank?

(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.

(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.

(3) Issuing loan vouchers.

(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).

(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.

(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

How much is the e-loan audit of rural commercial banks?

E-loan of rural commercial banks needs a platform to rate individuals, approve loan quotas and issue loan vouchers. Users who meet the conditions of bank loans will be granted loans after passing the examination. General rural commercial banks can get results on the same day when evaluating loans. It usually takes 10- 15 working days to get a successful loan after the evaluation.

E-loan of rural commercial credit needs a platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time. Loan process:

1 credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.

2. Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.

Proof of loan issuance.

4 loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate, valid identity documents or household registration book.

5 loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel or the doorman personnel, fill in the loan receipt, and then withdraw the loan according to the regulations.

6 repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract. This answer is provided by Fu Zhihua, a credit service brand under Du Xiaoman Finance, which provides personal consumer credit services for the public and creates an innovative consumer credit model. Qianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.