What documents do rural commercial banks need to handle family loans?

1. What documents do rural commercial banks need to handle family loans?

Id card, bank account number, etc.

Documents to be prepared for handling bank loans:

1, valid ID card.

2. Proof of permanent residence or valid residence and proof of fixed residence.

3. Proof of marital status.

4. Banks are flowing.

5. Proof of income or personal assets.

6. Credit report.

7. Loan use plan or statement.

8. Other information required by the bank.

I. Basic Information Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction. Rural cooperative banks should all be restructured into rural commercial banks.

Second, the rural commercial bank loan conditions

1, the applicant is a legal citizen of People's Republic of China (PRC) (China) and has no criminal record;

2. The applicant is between 18 and 60 years old;

3. Have a stable residence in the place where the loan is applied, and can provide proof;

4. Have an account in a rural commercial bank;

5. Other requirements for rural commercial bank loans.

Third, other conditions.

1, just apply for a mortgage loan and provide the real estate license. After evaluation, you can borrow 70% of the house value.

2. If there is no real estate mortgage or the required funds are relatively small, you can also apply for a small credit loan. When applying for loans from rural commercial banks, we should pay attention to the applicant's good credit and no bad credit record. Loans cannot be used for house purchase, stock trading and gambling. As long as you meet the individual application conditions of the bank, you can handle the business by providing ID card, proof of stable address and proof of stable income source.

Four, the rural commercial bank loan process:

1, voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates;

2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations;

3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions;

4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.

2. What documents do rural commercial banks need for 2065438+2007?

Personal business loan refers to the loan provided by the bank to support the development of private economy, private enterprises and individual operators in order to help individuals in urgent need of development achieve their development goals as soon as possible in accordance with relevant national policies.

At present, many banks have launched personal short-term small-scale venture financing business, which can often help entrepreneurs in the start-up period. As early as August 2003, China Bank, China Everbright Bank, Guangdong Development Bank, China CITIC Bank and other financial institutions successively launched "personal business loans" projects, while China Agricultural Bank launched the "Measures for the Administration of Personal Production and Business Loans" as early as September 2002, and it has been running.

However, due to the large demand in the venture loan market, the application threshold for such loans is relatively high. There are many applicants, but few people get the money. The reason is that banks are commercial organizations after all, and the first consideration in granting loans is the safety of funds. For the safety of loan funds, the threshold is often raised a little, or stricter.

Therefore, strict loan evaluation has become one of the characteristics of venture loans. Banks generally need three conditions to provide loans to individuals or enterprises: pledge, mortgage and guarantee. It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. Generally, funds can be obtained within one month after providing complete relevant information and supporting materials.

Application conditions

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises; (2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Open a settlement account in the bank, and the operating income will be settled by the bank.

In addition, there are some requirements for the bank, such as the need to open a settlement account in the bank and conduct daily settlement through the handling bank.

Application material

When applying for such loans, three points are more important:

First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

Amount requirement

Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;

The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year;

Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

Loan repayment method

1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall be paid off with the principal;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.

The relevant preferential policies depend on your local government. Some local governments are trying to find ways to help private enterprises and individuals with entrepreneurship and encouragement.

Three. What documents do rural commercial banks need for 2065438+2007?

Deal with banks

1. Valid ID;

2. Permanent residence or valid residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Four. What documents do rural commercial banks need for 2065438+2007?

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

1. Valid ID;

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

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.