Go to the credit union to apply for a loan of 654.38 million yuan. If you choose to apply for a credit loan, you need to go through the following procedures:
1. You need to prepare personal ID card, bank card, passbook, running bill and other income certificates first, and go to the branch counter to find a staff member to handle them;
2. Get the loan application form and fill it out, and then hand it over to the staff together with the information. After finishing, the staff will hand it over to the audit department for review.
3. The examination department will investigate and verify the company's income, liabilities, loan purposes and repayment ability according to the submitted materials, and check its credit status with the inquired personal credit report. After the approval, a letter of intent will be issued and then submitted to the superior for approval.
4. If it is finally passed, the credit union will send a message. After receiving the notice, it is necessary to sign the loan contract and related agreements at the outlets within the agreed time.
5. After signing the contract agreement, the credit cooperative will issue the loan funds to its bank card. After receiving the funds, you can use them, and then just remember to repay them on time according to the repayment plan agreed in the contract.
Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.
Extended data:
What are the conditions for a credit cooperative loan of 654.38 million yuan?
The conditions of rural credit cooperatives in different regions will be different, and the basic conditions need to meet the following points:
1, age 18-65 years old (it can be appropriately relaxed if collateral with high hedging rate is used as a guarantee);
2. The domicile or fixed residence (business place) has legal and stable economic income in the service area of rural commercial banks;
3. No major bad credit records (in line with the standards of rural commercial banks);
4. The loan application is clear, legal, compliant and reasonable;
5, its own funds not less than the prescribed proportion;
6. Family members have no valid credit in rural commercial banks (except housing and automobile mortgage);
7. Guarantees recognized by rural commercial banks can be provided (except credit loans).
8. Other conditions stipulated by the credit union.
What are the requirements for a loan of100000 yuan?
Requirements of the Borrower:
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided by the borrower:
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Extended data
The loan method is as follows:
1. Risk loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
3、
In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.