How does the personal consumption loan (self-service cycle) of rural credit cooperatives operate?

First, how does the personal consumption loan (self-service cycle) of rural credit cooperatives operate?

Bring your ID card, go to the counter to repay the loan, and you can go directly to the loan the next day.

Second, what is the self-service revolving loan of rural credit cooperatives?

I. Self-service revolving loans of credit cooperatives:

Self-service revolving loan of rural credit cooperatives is a kind of RMB loan issued by our company to customers on the basis of clear loan purpose, which is recycled by customers within the approved total credit line and credit period.

Customers can borrow, repay and inquire on the business platforms (business counters, telephone banking, self-service terminals and online banking) provided by the rural credit cooperatives by virtue of their bank cards and passwords as long as they sign the maximum self-service loan contract with the rural credit cooperatives at one time, without issuing a written application or signing loan receipts one by one.

2. Revolving loan:

It means that customers can obtain a certain loan amount by mortgaging commercial houses to banks. During the mortgage period, customers can withdraw money in stages. You don't need to fill in the withdrawal application form, and you don't need to re-approve. Generally, you can withdraw cash at 1 hour, which is equivalent to having a safe and convenient mobile "vault" with you.

Advantages of revolving loan:

1. Fast use of funds: once approved, it will be repaid with the loan within the validity period, and the handling bank of a single loan within the maximum amount has the right to be directly approved by the approver, which is quick and convenient.

2. Preferential interest rate: Because of recycling, short-term loans, long-term loans, loans with short-term interest rates and turnover limits can be realized, and decoration and other consumer purposes can be based on the benchmark interest rate of%.

3. Long credit period: the credit period can be up to five years, and you can continue to apply after the expiration.

4. Long term of a single loan: the longest maturity date of a single loan can reach 30 years. Personal revolving loan Personal revolving loan refers to a personal loan business in which the borrower is granted a maximum credit line with the approval of the bank under the guarantee or credit conditions stipulated by natural persons, usually with real estate as collateral, and the borrower can repay the loan within the validity period of the credit line. Personal revolving loan: the loan is controlled by the balance, and the amount used each time can be matched by itself. After the loan is repaid, it can be extended or expired.

Third, how to recover the e-loan line of Huinong?

Huinong E-loan is a loan product provided by Agricultural Bank of China for farmers, and whether Huinong E-loan can be loaned again after repayment mainly depends on the payment method chosen by farmers at the time of application. Farmers who choose self-help recycling can borrow it within the approved maximum amount and time limit, and then borrow it after the amount is restored.

However, if the self-service non-circulating mode is selected, the loan will be issued and used at one time or in stages within the approved maximum amount and period, and the loan amount cannot be recycled. In terms of loan term, if self-service recovery is adopted, the maximum term of a single loan within the validity period of the quota is one year; If the self-service non-circulation mode is adopted, the maximum term of a single loan within the validity period of the line is five years.

4. What is the self-service revolving loan of rural credit cooperatives?

1. Self-service revolving loan of rural credit cooperatives: Self-service revolving loan of rural credit cooperatives is a kind of RMB loan that our bank gives comprehensive credit to customers on the basis of clear loan purposes, and is distributed to individual customers through bank cards, which are recycled by customers within the approved total credit amount and credit period. As long as the customer signs the maximum self-service loan contract with the rural credit cooperatives at one time, there is no need to issue a written application and sign the loan receipt one by one. The customer can realize manual or self-service at the counters of the business platforms (business counters, telephone banking, self-service terminals and online banking) provided by the rural credit cooperatives with his bank card and password. 2. Revolving loan: The customer can obtain a certain loan amount by mortgaging the commercial house to the bank. During the mortgage of real estate, customers can withdraw money in several times for recovery. When the single payment does not exceed the available amount, the customer only needs to fill in the withdrawal application form without special re-approval. Generally, you can withdraw cash within 1 hour, which is equivalent to having a safe and convenient mobile "vault" around him. Advantages of revolving loan: 1. Fast use of funds: once approved, it will be repaid with the loan within the validity period. The handling bank of a single loan within the maximum amount has the right to be directly examined and approved by the approver, which is fast and convenient. 2. Interest rate concessions: short-term loans, long-term loans, short-term interest rates and loans within the revolving line can be realized because of the cycle. For consumer purposes such as decoration, it can be lowered by up to 10% on the basis of the benchmark interest rate. 3. Long credit period: the credit period can be up to five years, and you can continue to apply after the expiration. 4. Long term of a single loan: the longest maturity date of a single loan can reach 30 years. Personal revolving loan Personal revolving loan refers to the personal loan business that a natural person applies for and provides guarantee or credit conditions that meet the requirements of the bank. Generally, the real estate is used as collateral, and with the consent of the bank, the borrower is given the maximum credit, and the borrower can repay it with the loan within the validity period. The dominant balance control and recovery of personal revolving loan: the loan is balance control, and the borrower can match the amount used each time within the quota and term. After the loan is returned, it can continue to be recycled until it reaches the highest balance or expires.