How do rural credit cooperatives need loans? What is the procedure?

1. How do rural credit cooperatives need loans? What is the procedure?

First, the personal process of rural credit cooperatives:

1, credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general.

2, approved the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, approve the credit line of corresponding grades.

3. Issuance of loan certificate. Take households as the unit, and each household has one certificate.

4. Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books).

5. Loan issuance. After receiving the loan application from farmers, 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 farmers may use the loan according to the regulations.

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

Two, apply for loans from rural credit cooperatives need to provide information:

1, loan application signed by the borrower;

2. The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower;

3. Property * * * Someone agrees with the loan opinion;

4. The borrower's husband and wife's occupation, income certificate, family property status and other information (work certificate, bank account, property certificate, vehicle driving license, etc.). );

5. Proof of the borrower's stable residence (real estate license and water, electricity, gas and other documents in the last three months);

6. Loan contract.

The difference between rural credit cooperative loans and private lending

Although rural credit cooperative loans and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that the loans of rural credit cooperatives are protected by national laws. If the interests of borrowers are infringed, they can safeguard their legitimate rights and interests through legal channels. But private lending is different, and the protection of private lending by law is conditional. For example, if the interest rate of private lending exceeds four times that of similar bank loans, the excess will not be protected by law.

As follows: loans from rural credit cooperatives

Second, what processes are needed for the loan of rural credit cooperatives?

This is the ID card and the household registration book. Please apply to the credit union to fill in the application form and find a guarantor.

3. What conditions do rural credit cooperatives need for loans? What is the loan process?

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, and permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) For those who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the customer's credit rating, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the loan unit signs a contract with the customer and realizes the loan in the shortest time.

Fourth, rural credit cooperatives, how to borrow e-loans, what conditions are needed, and do you have friends who have borrowed them?

Hello, the requirements for bank loans:

(1) has a permanent residence or a valid identity document when 18 years old. For bank loans, the age of the lender is generally between 18-60;

(2) have a stable legal income and repayment.

(3) Other conditions required by the lending bank.