If you don't need it, just apply yourself.

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.

Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently. If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it.

Four. There are many conditions for granting loans. You'd better ask the local credit cooperatives, such as the borrower needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.

Second, does the loan mortgage of rural credit cooperatives need guarantee?

Yes, mortgage borrowers of rural credit cooperatives must meet the following conditions:

1,/kloc-proof of full civil capacity between 0/8 and 60 years old and its copy.

2. Have the ability to repay the loan principal and interest on schedule.

3. In addition to the mortgaged property, the mortgagor has another set (or more than one set) of property for the mortgagor to live in.

4. There are assets recognized by urban credit cooperatives as collateral, or (and) there are legal persons, other economic organizations or natural persons recognized by this agency as collateral.

5. Other conditions stipulated by the municipal credit cooperative.

Third, do farmers in rural credit cooperatives need guarantees?

The main terms of the general bank:

The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Information required for personal loan: ID card, household registration book, proof of marital status, income certificate, real estate license, ID card, household registration book, proof of marital status and other relevant information required by the bank.

You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.

It usually takes about 1 month to get a loan _

Process:

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Sign a loan contract, etc. ;

4. Apply for real estate mortgage registration;

5. Bank loans _

Fourth, does the loan mortgage of rural credit cooperatives need guarantee?

Yes, mortgage borrowers of rural credit cooperatives must meet the following conditions:

1,/kloc-a natural person with full civil capacity between 0/8 and 60 years old. Provide valid identity documents and their copies.

2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule.

3. In addition to the mortgaged property, the mortgagor has another set (or more than one set) of property for the mortgagor to live in.

4. There are assets recognized by urban credit cooperatives as collateral, or (and) legal persons, other economic organizations or natural persons recognized by cooperatives with sufficient compensation capacity as guarantors.

5. Other conditions stipulated by the municipal credit cooperative.