In the service area of credit cooperatives, enterprises (legal persons), other economic organizations, individual industrial and commercial households or natural persons with China nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce may apply for loans from local rural credit cooperatives. After applying for a loan, a rural credit cooperative shall examine whether it meets the loan conditions according to the relevant provisions and decide whether to issue a loan. To apply for the use of micro-credit loans, you should first meet the following conditions: living in the business area of rural credit cooperatives; Having full capacity for civil conduct and good credit; Engaged in land cultivation or other production and business activities in line with the national industrial policy, and has a legitimate and reliable source of income; Have the ability to pay off the loan principal and interest. Secondly, it should be clear that farmers apply for micro-credit loans for specific purposes, and not all activities can use micro-credit loans. According to the regulations, farmers' micro-credit loans must be used for the following purposes: first, loans for agricultural production expenses such as planting and aquaculture; Second, agricultural machinery loans; Third, pre-,mid-and post-natal service loans around agricultural production; Fourth, consumer loans such as buying daily necessities, building houses, treating diseases and sending children to school.

In the case of meeting the above requirements, when farmers who have held the loan certificate issued by the rural credit cooperatives need small credit loans, they can go directly to the business outlets of the rural credit cooperatives to apply for loans within the limit with the loan certificate and valid identity documents (the loan limit of each farmer has been marked on the loan certificate issued by the credit cooperatives), and there is no need to go through the formalities of examination and approval at different levels. As farmers' micro-credit loans take the form of "one-time approval, loan with use, balance control and recycling", as long as it does not exceed the loan amount approved on the loan certificate, farmers can apply for loans at the rural credit cooperatives at any time, and after the loans are paid off, they can continue to borrow and recycle.

For farmers who have no loan certificate, they should first apply to the rural credit cooperatives for the use of micro-credit loans. After receiving the application from farmers, the credit cooperatives should first evaluate the credit rating of farmers, and according to the evaluated credit rating, approve the corresponding credit loan amount and issue loan vouchers. With this loan certificate, farmers can apply for loans directly at the business outlets of rural credit cooperatives. In the future, when farmers need micro-credit loans again, they only need to go directly to the business outlets of rural credit cooperatives with their certificates.

Second, I want to borrow money from the credit union. I wonder how much I can borrow. I want to borrow 1.2 million yuan ... of course, it would be better if I could borrow more! ! So can rural credit cooperatives borrow money at any time now? Do you need any formalities?

There are several kinds of loans from rural credit cooperatives. I said there are almost both kinds of loans. One is credit loan. You know, if you haven't borrowed money, you can also find someone to guarantee it for you, but the amount is generally not more than 50 thousand. The other is the most common amount, depending on the value of the things you mortgage!

Third, the credit union said I had a loan, but I never did. I'm looking for a credit cooperative. What certificate do I need to give it?

It is recommended to bring my valid ID card to the nearest People's Bank of China to check my credit and verify whether it is overdue. The so-called credit cooperative loans refer to loans issued by rural credit cooperatives. There are rural credit cooperatives all over the country. At present, rural commercial banks have been established in some places through reform. There are also some small credit loans with lower conditions. The loan conditions of rural credit cooperatives include: 1. The applicant must be a farmer or self-employed person in the community and have full capacity for civil conduct; This condition is to check his credit. If he is a foreigner, it is difficult to check his credit. 2. The purpose of the loan is clearly to engage in land cultivation or other production and business activities in line with national industrial policies, and to have reliable income. 3, family members must have a labor force with labor production or management ability. Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full capacity for civil conduct with China nationality and approved and registered by the administrative department for industry and commerce (or the competent authority). To apply for a loan, the borrower should meet the following basic conditions: first, it has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

4. What are the procedures for the bank to pay off the credit union loan?

Standard repayment voucher (in quadruplicate, with the second copy for the borrower)