Rural credit cooperatives now have a wide variety of personal loan businesses, and the types of loans of rural credit cooperatives in different regions are also different. In order to carry out credit business, various personal loan businesses have been launched one after another, which can be roughly divided into the following categories:

1. General personal loan business. The amount is less than 2 million yuan, and the term is one year.

Provide the credit cooperatives with the following procedures: ID card, business license, marriage certificate, opening a bank account, etc. The borrower and two guarantors.

2. Personal credit commercial loans. The amount is less than 300,000 yuan, and the term is generally three years.

The loan procedures provided to credit cooperatives include: ID card, marriage certificate, running bank account number, etc. Most loan businesses do not need a guarantor.

3. Personal loan business with equal principal and interest.

The loan amount is less than 300,000 yuan and the term is three years. After the loan is lent, it will be repaid on time according to the calculated principal and interest every month, similar to mortgage loan.

Procedures provided to credit cooperatives: roughly the same as the second item, there is no need for a guarantor to increase the business license.

The personal loans of credit cooperatives vary greatly in different regions, and often provide a variety of loans convenient for customers. If you want to apply for a loan, you should consult the local credit cooperatives in detail and apply for a loan business that suits you.

Customers handle loan business at the counter of rural credit cooperatives.

Business outlets of rural credit cooperatives.