Many people want to know what the maximum loan amount of rural credit cooperatives can reach. As far as I know, the loan amount of rural credit cooperatives is affected by many factors.

First of all, the loan amount of rural credit cooperatives is affected by local policies.

The loan amount of rural credit cooperatives will vary according to local loan policies and loan methods, but the loan amount of rural credit cooperatives is generally not very high, because the customer groups are mostly rural population.

Secondly, the loan amount of rural credit cooperatives is influenced by the nature of specific loan products.

Rural credit cooperatives small loans, the amount is generally not more than 30 thousand yuan. If it is a real estate mortgage loan, it may be easier and the amount will be slightly higher; If you apply for an unsecured loan, the amount is not so high, generally around 20 thousand yuan. The amount of car loans is not optimistic.

What is the maximum loan amount of rural credit cooperatives? Everyone knows the details, so what do you need to transfer to apply for a loan from the rural credit cooperatives?

Materials to be submitted when applying for a loan:

(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents);

(2) Legal and effective house purchase (overhaul) contracts, agreements and relevant approval documents;

(3) Proof of the borrower's repayment ability recognized by the loan bank, such as proof of income and proof of assets;

(4) Where mortgage or pledge guarantee is involved, the ownership certificate of the mortgage or pledge right and the written certificate that the authorized person agrees to mortgage or pledge shall be provided;

(5) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;

(6) Where the guarantee is involved, the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor shall be provided;

(7) House sales (pre-sale) license or the property certificate of the building (existing house) (copy);

After I left, I showed you the loan strategy of rural credit cooperatives. Whether it's personal micro-loans, mortgage loans for buying houses or commercial loans, it's almost the same. You can refer to it. The process is as follows:

(1) application. The customer submits a written loan application to the bank and submits relevant materials.

(2) sign a contract. Sign loan contracts and guarantee contracts with rural credit cooperatives, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.

(3) open an account. The customer is required to sign an entrustment deduction agreement with the rural credit cooperative, and open a special savings passbook account or savings card or credit card account at the business outlet designated by the loan bank for repayment. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

(4) the issuance of loans. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.

(5) Repayment on schedule.

If you need to apply for provident fund loans, you need to know more about provident fund loans. General mortgage loans, personal loans and other peer loans are basically similar. I need and hope that the HS can help you get a smooth loan.