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.
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Extended data:
What are the procedures for a credit cooperative loan of 65,438+10,000 yuan?
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. Customers need to prepare personal ID cards, bank cards, passbooks, running bills and other income certificates first, and go to the branch counter to find staff 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 review department will investigate and approve the customer's income, liabilities, loan purposes and repayment ability according to the information submitted by the customer, and check the customer's personal credit report to review its credit status. After approval, a letter of intent will be issued and then submitted to the superior for approval.
4. If it is finally approved, the credit union will send a message to inform the customer. After receiving the notice, the customer needs to sign the loan contract and related agreement at the outlet within the agreed time.
5. After the customer signs the contract agreement, the credit cooperative will distribute the loan funds to the bank card in the customer's name. Customers can use the funds after receiving them, and then just remember to repay them on time according to the repayment plan agreed in the contract.
What are the requirements for a credit cooperative loan of 200,000 yuan?
What are the requirements for a credit cooperative loan of 200,000 yuan?
Credit cooperative loans, in short, are loans issued by banks to borrowers. It is an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. To apply for a bank loan, you need to meet the following conditions:
I. Age
The borrower's age needs to be between 18 and 60 years old, and the borrower's actual age plus the loan application period should not exceed 70 years old.
Second, identity.
Borrowers can apply as long as they are citizens with full civil capacity, and citizens from mainland China, Hong Kong, Macao and Taiwan or foreign countries can apply.
Three. Work income
Borrowers need to have a legal and stable job and income source, and have the ability to repay the loan principal and interest on schedule.
Fourth, personal credit.
The applicant's personal credit situation is very important, and it is difficult to apply for a bank loan without a bad credit record.
Generally speaking, bank loans generally need to provide guarantees, house mortgages, or proof of income. People with good personal credit information have a higher success rate.
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Rural credit cooperatives microfinance conditions
1, with the ability to repay the principal and interest on schedule;
2, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account;
3. To apply for guarantee or mortgage loan, there must be qualified loan guarantor, loan collateral or pledge. 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), which must be commercialized and easy to realize. 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.
RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its members.
Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.
management system
As early as 1950s, the outlets of China People's Bank in rural areas were changed to rural credit cooperatives. The purpose of rural credit cooperatives is "mutual assistance of farmers' funds", that is, farmers form credit cooperatives, and members contribute capital to form loans.
Relationship with branches
The relationship between county associations and individual credit cooperatives is equivalent to that between head offices and sub-branches.
There is a county association in a county. At the beginning, the county association was managed by the Agricultural Bank of China; 1996 and returned to the people's bank; After 1999, the People's Bank of China gradually established prefectural (city) associations, and county associations were under the jurisdiction of prefectural (city) associations; After 2003, the People's Bank of China withdrew, canceled the local (city) union, and handed over the management right of rural credit cooperatives to the provincial government, which established the provincial union, which was in charge of the county union.
So far, from the economic and legal point of view, each county association is equivalent to an independent bank (enterprise), the actual owner is the provincial government, and the county associations in the province form the provincial association, so the provincial association is actually the "son" of the county association; Administratively, each county association is the administrative department in charge of credit cooperatives, and the provincial association is the highest administrative department, so the provincial association is the "Lao Zi" of the county association.
Because of its high administrative status, the provincial association has become the actual manager of the county association economically.
Institutional nature
Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. Their common feature is that deposits are the main liabilities, loans are the main assets, and transfer settlement is the main intermediary business, which directly participates in the creation process of deposit currency.
Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions whose main purpose is mutual assistance, referred to as "credit cooperatives", which carry out deposit and loan business among members for the purpose of mutual assistance and self-help. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.
Due to the seasonal, decentralized and small-scale characteristics of agricultural producers and small commodity producers, it is difficult for small producers and farmers to get the support of bank loans, but objectively, the development of production and circulation must solve the difficulty of insufficient funds, so this kind of mutual aid self-help credit organization established by means of capital contribution and deposit has emerged.
Rural credit cooperatives are cooperative financial organizations composed of farmers' shares, which are democratically managed by shareholders and mainly serve them. They are legal financial institutions approved by the People's Bank of China.
Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. At the same time, organize and adjust rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down.
What conditions do rural credit cooperatives need for loans?
Credit cooperative loans are mainly rural credit. Generally, the lender is required to have a fixed residence in the rural credit cooperative area. The lender must be the head of a rural household, and the lender has no bad credit record and good personal credit. Moreover, the loans of rural credit cooperatives are mainly used for the operation of sound agricultural fields such as agriculture, forestry, animal husbandry or fishery.
Apply in the local rural credit cooperative and provide relevant information. As long as your investigation is conducted by the lending institution of the credit union, the credit union will report the lender's information to the relevant departments for approval. After the approval, the credit union will sign a loan contract with you, go through the relevant formalities, and then the lender will wait for the credit union loan.
Rural credit cooperatives loan procedures:
1. Local permanent residents with legal identification and full capacity for civil conduct;
2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule;
3. There are legal and valid housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions.
4. There are funds above 20% (inclusive) /40% (inclusive) of the total price of the purchased house as the down payment.
5. Having assets recognized by this institution as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this institution as guarantors.
6. Other conditions required by urban credit cooperatives.
Extended data
Purpose requirement
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 transferred.
Distribution management
Article 10 For the farmers whose loan quota has been approved, within the time limit and quota, farmers can apply for loans to credit cooperatives with loan vouchers, household registration books or ID cards, or they can be directly distributed to farmers' homes by credit personnel of credit cooperatives according to farmers' requirements, and fill in the IOUs one by one.
Eleventh credit cooperatives should set up a registration ledger with households as the unit, and change the ledger according to the changes.
The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail.
Twelfth farmers who arbitrarily change the purpose of loans, lease, lend and transfer loan vouchers should immediately cancel their qualifications for micro-credit loans.
Thirteenth after the loan is issued, the loan officer should often go deep into the farmers to understand and master the production and operation of farmers and the use of loans, and strengthen the post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team.