It usually takes half a month to lend money and apply for a loan from a rural credit cooperative alone. Generally speaking, he should meet the applicant's age of 18~60 years old, with good credit, stable income and stable work or residence address. Generally speaking, he needs 7~ 15 working days. If the time is short, it may take about three working days. However, if the loan amount of local rural credit cooperatives is tight, it may take a long time; Then the loan time will be delayed, and it is normal for 1-3 months to get the loan funds. When handling general loans in rural credit cooperatives, after signing the loan contract and completing relevant procedures, the credit cooperatives will transfer the loan amount to the borrower's known account.

1. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate, then apply to the rural credit cooperatives for loan business, and then review the purpose and related materials, and then issue loans after all the conditions are met. Bian Xiao suggested that you prepare relevant materials before applying for a loan, so as not to delay the examination time.

Second, the characteristics of credit cooperatives loans The main business of credit cooperatives is rural credit, and its business procedures and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives.

Three, however, due to the different nature, status, role, etc. Credit cooperatives are different from national specialized banks, so they have their own characteristics in the specific operation of loans:

Loan conditions of rural credit cooperatives

1. The borrower is a citizen of People's Republic of China (PRC) (China) with full capacity for civil conduct; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the restricted and eliminated customer operations of the Bank; Capital market investment; Pay off financial bad debts.

After applying for a loan in a rural credit cooperative, I realized that such factors have a certain relationship with many factors such as time and holidays, and it is likely to have a certain relationship with the completeness of your own information. Therefore, I suggest that you consult in detail what information you need to prepare before applying for a loan, so as not to delay the examination time.