We should pay attention to several aspects,
Credit and liabilities
There were many online loans before, and credit information was relatively expensive. Even if you settle down, you should also look at some application records, application time, and inquiries in recent months. It's best to wait a few months, because people don't know whether you will renew your contract. It is recommended to wait for half a year.
If you are married, you will look at the credit information of husband and wife to see which one is better and which one is the main borrower, and the credit information is good. You can try your spouse's, and the impact will be much smaller.
After reading the credit information and liabilities, another key point is running water.
The second is a steady stream of income.
Look at your job, salary flow, social security accumulation fund tax payment, and whether there are other sources of income. If the flow is not enough to support your repayment, it will definitely not be approved.
Income can be seen by couples, so we usually have more sources of income and reduce expenses.
Besides, how did you get the money when you suddenly settled so much? Borrowed by relatives and friends? Then this is useless. Award? It's no use. My parents gave it to me. It counts. Therefore, it is also very important to explain where the settlement money comes from.
1. What are the requirements for venture loans of rural credit cooperatives?
1. The applicants are rural youth, college students, returning migrant workers, women and other entrepreneurs with full civil capacity and aged from 18 to 50 years old;
2. Entrepreneurial projects must comply with the relevant provisions of national industrial policies;
3. Open a general settlement account in the bank applying for the loan;
4. Have a strong entrepreneurial desire, good entrepreneurial planning and predictable income;
5. No record of loan default, no record of bad behavior such as violation of laws and regulations;
6, other conditions stipulated by the rural credit cooperatives.
2. What is the application process?
1, farmers apply for loans from credit cooperatives;
2. The loan officer investigates farmers' demand for production funds and household income, grasps the borrower's credit status, and puts forward preliminary opinions;
3. The credit rating team determines the loan amount according to the information provided by the credit personnel and issues the loan certificate;
4, farmers with a loan certificate within the approved amount can be one or more times to the credit cooperatives according to the prescribed procedures for loans.
3. What information do you need?
1. Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
2, personal or family income and property status and other repayment ability documents;
3. Business licenses and business licenses of relevant industries, as well as agreements, contracts or other materials related to loan purposes;
4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) appraisal certificate issued by the appraisal department recognized by the bank.
4. Who is the loan target?
The loan targets of the majority of credit cooperatives involve all kinds of ownership and fields in rural areas, including:
1. Contracted business households, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry and fishery industries;
2, approved by the relevant departments to implement independent accounting of township (town) office, village office, agency office, household office and various forms of joint ventures or new economic complexes;
3 rural cultural, educational and health research institutions with operating income and repayment guarantee;
4, approved by the relevant departments engaged in handicrafts, commerce, transportation, construction, service industry and other rural individual economic households and economic associations. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds.