(1) China citizens who have reached the age of 18, have full capacity for civil conduct, have a fixed residence in the service area of rural credit cooperatives, and the sum of the borrower's age and loan term is not more than 60 years old;

(2) Having a local fixed residence, fixed residence and business premises;

(3) Having the ability to repay the loan principal and interest on schedule;

(4) It has a good reputation and no bad credit record within three years;

(5) Having the credit qualification recognized by the rural credit cooperatives (that is, the credit rating of farmers whose personal credit rating in cities and towns is BBB or above is "good" or above);

(six) to provide effective guarantees recognized by rural credit cooperatives;

(seven) have the ability to engage in legitimate production and operation and certain experience;

(8) Having a legal and effective production and operation certificate (including business license or business license, etc.). );

(nine) the industry conforms to the national industrial policy and regional economic development policy, and has good economic and social benefits;

(ten) to open a personal bank settlement account in rural credit cooperatives, or to handle the main settlement business through rural credit cooperatives;

(11) Other conditions.

What are the procedures and conditions for lending100000 yuan in rural credit cooperatives? How to borrow a couple loan of 654.38 million yuan from rural credit cooperatives?

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. You need to prepare personal ID card, bank card, passbook, running bill and other income certificates first, and go to the branch counter to find a staff member 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 examination department will investigate and verify the company's income, liabilities, loan purposes and repayment ability according to the submitted materials, and check its credit status with the inquired personal credit report. After the approval, a letter of intent will be issued and then submitted to the superior for approval.

4. If it is finally passed, the credit union will send a message. After receiving the notice, it is necessary to sign the loan contract and related agreements at the outlets within the agreed time.

5. After signing the contract agreement, the credit cooperative will issue the loan funds to its bank card. After receiving the funds, you can use them, and then just remember to repay them on time according to the repayment plan agreed in the contract.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: Xiaoqi credit search can generate big data reports. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

Extended data:

What are the conditions for a credit cooperative loan of 654.38 million yuan?

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.

How can rural credit cooperatives borrow 30 thousand? What are the requirements?

Although the word "bank" is not added after "rural credit cooperatives", the basic business of rural credit cooperatives and banks is highly consistent. In fact, rural credit cooperatives are banking financial institutions. Their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. Their aim is "mutual assistance of farmers' funds". And if you want to borrow in rural credit cooperatives, you must meet the following three conditions:

0 1 Personal credit information meets the demand

In fact, whether in rural credit cooperatives or other commercial banks, these institutions will inquire about the credit information of borrowers. If the borrower's credit information is good, then the loan is relatively easy; However, if the borrower's credit information is poor and the credit report score is very low, it is difficult to get a loan in this case. If you want to borrow from a rural credit cooperative, your personal credit information must meet the requirements of this credit cooperative (different credit cooperatives may have subtle differences in credit information requirements). The following behaviors will affect personal credit information and must be avoided as much as possible in life:

① The loan has a record of overdue repayment.

(2) After the credit card is overdrawn, the repayment is not made according to the agreed time limit or quota.

③ Too many loan accounts or too many credit cards.

Note: ① and ② are due to the failure to repay the loan as agreed, resulting in the credit rating of our bank being lowered. Many people will notice these two points when they borrow money or use credit cards. However, many people will ignore ③. In fact, although there are no overdue records, lending institutions will check personal credit information every time they apply for loans or credit cards, which leads to too many credit inquiry records, which is often referred to as "running out of credit information".

Have good repayment ability.

No one is so generous as to lend money without expecting others to pay it back, and so is the credit union. If you want to borrow from a credit cooperative, especially a large loan, you must have relevant information to prove that you have good repayment ability. There are three ways to prove your repayment ability:

(1) Personal running water, income certificate, etc. Personal information such as running water, proof of income, etc. will be provided when the loan is made, and the credit cooperative or bank will determine the credit line to issue the loan according to the professional evaluation method.

② Mortgage loan. When making a loan, you can also use some valuable things as collateral, such as real estate mortgage and land use rights.

③ Guarantor guarantees. It is ok if someone is willing to guarantee, but there are certain requirements for the guarantor's personal reputation, property or personal income.

Other basic information of the borrower.

Even if the above conditions are met, the loan may not be successful in the rural credit cooperatives. The borrower also needs to meet the following three basic conditions:

(1) Have permanent residence or long-term residence certificate of rural credit cooperatives within its jurisdiction. Providing such proof can make credit cooperatives feel more at ease in lending and reduce the risk of lending.

② Open a personal settlement account in rural credit cooperatives.

(3) Be at least 18 years old and have full capacity for civil conduct.

To sum up, if you want to borrow money from a rural credit cooperative, you need to meet at least three conditions: 1. Personal credit information meets the needs of credit cooperatives, and there are no bad loan records or too many credit accounts; 2. Good repayment ability can be proved in three ways: ① Personal running water, proof of income, etc. ② Collateral with certain value; ③ Guarantor with guarantee ability; 3. Other basic information of the borrower: ① Certificate of permanent residence or long-term residence within the jurisdiction of the credit union; ② Opening a personal settlement account in a credit cooperative; ③ Be at least 18 years old and have full capacity for civil conduct.

Regulatory requirements for the proportion of large loans

Control within 32%. The Provincial Association requires strict implementation of differentiated management, refinement of the control targets for large loans, and determination that the proportion of large loans of rural credit cooperatives in the province will be controlled within 32% in 2022. We must adhere to the main responsibility of serving agriculture, rural areas and farmers and small and micro enterprises.

How does the rural credit cooperative loan 65438+ 10,000 yuan?

Meet the following six points, you can borrow from the rural credit cooperatives100000.

1, age 18 years old, with legal residence certificate, fixed residence or fixed business place in the place where the loan is located;

2. The lender must have the ability to repay the principal and interest;

3. The lender's credit information must be good and there is no bad credit record;

4. The purpose of the loan shall comply with the relevant regulations of the bank;

5. The lender must have a settlement account of the rural credit cooperative;

6. The lender must have collateral with the same loan value in its name and a reliable guarantor.

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.

Can rural credit cooperatives borrow 65,438+10,000 yuan?

The loan of 654.38 million yuan from rural credit cooperatives needs to meet these conditions:

1, age 18, with legal residence certificate, fixed residence or fixed business place in the place where the loan is located;

2. The lender has the ability to repay the principal and interest;

3. The lender has good credit information and no bad credit record;

4, the use of loans must comply with the provisions of the bank;

5. The lender has opened a settlement account in the rural credit cooperative;

6. Lenders need collateral under their names when applying for mortgage loans, and a guarantor when applying for secured loans.

20 19-08-29 answer

The loan of rural credit cooperatives refers to the behavior that natural persons or legal persons obtain funds from rural credit cooperatives in accordance with the prescribed conditions and procedures, and agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity. In rural areas, many farmers are blocked by many banks because of their unstable income. Therefore, many people turn their attention to more counterpart credit cooperatives. Then, how to handle the loan of rural credit cooperatives?

To apply for a loan from a rural credit cooperative, you need to meet some conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; 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 business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

Farmers who meet the above conditions can apply for loans with valid documents.