Is the SMS reminder of rural credit cooperatives really free?

All SMS reminders are charged. SMS reminder is a paid service. Generally, it is valid for one year, and the service fee is two yuan per month, which is deducted every month. After one year, you need to apply for the service again before you can continue to use it. If online banking is opened, you can renew the fee in online banking.

Counter account opening process: bring valid identity documents and bank cards to the local bank outlets; Fill in a business application form, select "SMS Reminder" in the business application column, and attach the commonly used mobile phone number to bind and receive SMS; Submit bank card, original ID card and business application form; Enter the mobile phone number and verification code as required; You can start the SMS reminder service.

Rural credit cooperatives loan conditions:

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions. [2]