Instructions for the use of Huimin loans in rural credit cooperatives?

I. Instructions for the use of Huimin Loan Rural Credit Cooperative?

Article 1 In order to improve the credit service level of rural credit cooperatives (hereinafter referred to as credit cooperatives), increase the credit input to farmers and agricultural production, simplify the loan procedures, and give full play to the role of credit cooperatives in supporting agriculture, these Measures are formulated in accordance with the General Principles of Loans and other relevant laws and regulations.

Article 2 Micro-credit loans for farmers are micro-credit loans granted by credit cooperatives with the credit status of farmers as the guarantee within the approved quota and time limit.

Article 3 The management mode of micro-credit loans for farmers is "one-time approval, use with loans, balance control and recycling".

Fourth farmers' small credit loans should use farmers' loan vouchers. The loan certificate is based on farmers, and each household has one certificate, which shall not be rented, lent or lent.

Second, how to get loans from rural credit cooperatives.

First of all, you should write a loan application. The documents need to be: household registration book and husband's certificate. Be sure to copy, be sure to have it, and you can't guarantee money to others, even without a guarantor. You need to have your own real estate license and other valuable mortgages. Rural credit cooperatives can generally lend 5%, and can discuss with the person in charge of the loan in detail if it exceeds the scope of the loan.

Three. How to borrow money from rural credit cooperatives

Personal loans of rural credit cooperatives include credit loans, secured loans and mortgage loans. Generally, both husband and wife are required to be present and provide your ID card, household registration book, marriage certificate, etc. Credit loan of 30,000-50,000 yuan; 50,000 to 65,438 438+ 10/00,000 (the guarantor and his wife should also prepare the above information and sign it on the spot); Generally, the mortgage is more than 654.38 million yuan.

Four, how to loan to rural credit cooperatives

1. If the application conditions are met, apply for a loan from a rural credit cooperative. 2. Fill in the loan application form and provide the materials required by the credit union. 3. The credit union will review the materials submitted by you and verify the loan amount according to the credit rating of the lender. In line with the conditions, the credit cooperative shall notify the lender to obtain the loan certificate. 4. After obtaining the loan certificate, you can apply for a loan directly to the rural credit cooperatives with valid identity documents, and the credit cooperatives will review the conditions and materials of the lenders and approve them step by step. 5. After the approval is completed, the credit cooperative informs the lender to sign a loan contract. After the contract is signed, the bank will issue the loan on the date stipulated in the contract.