1. What do rural commercial banks need for public loans?

1. A legal citizen who has full capacity for civil conduct and the applicant is over 18 years old and generally not over 65 years old at the maturity date of the loan;

2. Have a permanent residence or valid residence status in the town where the loan bank is located;

3. Have legal and stable economic income, good credit and the ability to repay the loan principal and interest;

4. Have a clear consumption intention or have signed relevant consumption contracts;

5. It can provide a guarantee recognized by the lender;

6. Other loan conditions required by the lending bank.

the materials to be submitted for the loan of rural commercial bank include: valid identity documents of the borrower and spouse (referring to resident identity cards, household registration books or other valid identity documents); Married people should provide proof of marital status, unmarried people should provide proof of unmarried or sign a declaration of unmarried; Assets, liabilities and income and expenditure; Proof of loan use; Other loan information required by the lending bank.

second, are there private lending companies in Zhuhai?

Yes, but you can't pay it off if you borrow it. It depends on how much you borrow. Now some banks provide it.

Third, Zhuhai, Guangdong Province, looking for private loans, it is good for me to borrow 3,-5, yuan from black households.

The following are the choices for black households:

1. Private lending, which may allow borrowers to provide information to check whether there is collateral, real estate and work in the borrower's name. At the same time, if a black household applies for a loan, the lending institution may increase the loan interest rate of the borrower or reduce the loan amount of the borrower, depending on the situation

2. The local loan company of the black household applies for a loan from the bank, which is one of the channels for the black household to apply for a loan.

3. When looking for credit, collateral is more important. If you borrow money and can provide collateral, it will be easier to get funds.