Rural credit cooperative loan is a popular bank financial institution, and many farmers get loans in this way to carry out agricultural operations. Rural credit loans are relatively low-threshold products, and the review will be faster. How long will the rural credit loan arrive? Let's get to know each other.
The arrival time of rural credit loans is related to many factors, such as loan products, whether the borrower's application materials are complete, bank audit system, loan use inspection, holidays and so on.
Under normal circumstances, if the audit of rural credit cooperatives is relatively loose, it can be received in about 7 working days under the condition that everything is complete, but the market policy will be different and the quota may be tight, so the arrival time will be delayed. It is said that it will take several months to really get the account. Please consult the bank staff for details.
Why rural credit loans arrive slowly?
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 use and related materials before issuing loans, so it will take a long time.
I suggest you prepare relevant materials first, so as not to delay the review time:
1, resident identity card;
2. Household registration book;
3. Other valid identification, etc. ;
4, engaged in self-employed also need business license, tax registration certificate, organization code certificate, special industry business license, account opening certificate, income certificate, contract or cooperation agreement and other supporting materials;
5, need to provide security, but also need to provide security information;
6, rural credit cooperatives that need to provide other information.
To sum up, in order to save the time of bank lending, you'd better choose to submit your application on weekdays, otherwise the arrival time will be extended to after the Spring Festival and the 11 th holiday.
How many times does the loan of rural credit cooperatives need to be reviewed before it can be approved?
The loan review time of rural credit cooperatives is generally 1 working day, which can be completed as soon as possible. Because the staff of rural credit cooperatives need about one working day to review, they can get the loan on the same day if they want to review it quickly. Here, let's take a look at how long it takes for rural credit cooperatives to review loans. Generally speaking, when applying for a loan in a rural credit cooperative, the loan review time is as follows: the applicant submits information, ID card, proof of address, proof of income and other materials. If the review is completed, the rural credit cooperatives can also review the lender's marital status, spouse's basic situation, living conditions, professional income and other contents on this basis. If the submitted materials meet the national regulations, the rural credit cooperatives will review them faster.
Can local people go to the rural credit cooperatives for loans?
Locals are more likely to borrow money from residents with different accounts.
Proof materials required for local residents' loans are relatively easy to examine, and contacts and guarantors are also easy to find.
Interest rates are generally lower than foreign loans, and loans are relatively loose.
You can apply for loans in small commercial banks such as credit cooperatives, and the loan approval is fast.
First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding, and of course, they can also use real estate.
Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.
Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.
If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it.
Four. There are many conditions for granting loans, so it is best to consult the local credit cooperatives.
If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.
A simple understanding of a loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
How long can rural credit cooperatives generally approve loans? Come and find out!
At present, the state strongly supports the development of agriculture, countryside and farmers, among which rural credit cooperatives are important institutions to solve farmers' problems. There is also user consultation. How long can rural credit cooperatives generally approve loans? Then let's briefly talk about this problem for everyone.
First, how long can rural credit cooperatives generally grant loans?
Under normal circumstances, if the borrower's information is complete, the loan is used normally and meets the conditions, it will be approved in a week or so; However, if the rural credit cooperatives are short of funds or the borrower's procedures are incomplete, it may be as slow as one month. So before you apply, you can know what information you need and what procedures you need to go through. If you are ready, you may get twice the result with half the effort.
2. What are the requirements for credit union loans?
1. Age: China citizen, age 18-60.
2. Address: it is the household registration of the place of application or has a fixed address, and can provide valid proof of residence.
3. Repayment ability: stable working income and repayment ability.
4. Credit: The applicant's credit is good, and the credit rating should be above "good".
5. Others: The applicant has opened a basic account or general account in a rural credit cooperative.
The above is about "how long can rural credit cooperatives generally grant loans?" What are the requirements? "Answer, I hope to help you. Generally speaking, the speed of examination and approval is related to the applicant's qualification, credit status and completeness of information. In addition, because some users are not very familiar with the consequences of loans overdue, it must be remembered that the loan should be repaid on time, otherwise the overdue credit information will have a great impact.
How long can rural credit cooperatives apply for loans?
It usually takes half a month to lend money, and individuals apply for loans from rural credit cooperatives. Generally, he should meet the requirements of the applicant 18~60 years old, with good credit, stable income and stable work or residence address. Generally speaking, he needs 7~ 15 working days. If it 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 the relevant procedures, the credit cooperatives will transfer the loan amount to the account known to the borrower.
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 review time.
Second, the characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes 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 nature, status, role and other reasons. 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) and has 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 business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial 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, holidays, and whether your own information is complete or not. So 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.