First, rural credit micro-loans refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

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 you'd better ask the local credit union.

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.