The borrower must have full capacity for civil conduct and be responsible for all his actions; The borrower has a certain monthly income, and the monthly income is higher than the minimum income standard of rural credit cooperatives; According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating for Agriculture, Countryside and Farmers, the customer credit rating results are medium and above.
The borrower has good conduct and no criminal record or bad situation; The borrower has a fixed residence in the countryside and has full capacity for civil conduct and labor; The borrower has opened a basic account or general deposit account in the rural credit cooperative, and there is a certain deposit in the account; When the borrower applies for a loan, there is no overdue loan and no huge foreign debt; Other requirements of rural credit cooperatives.
Micro-lenders of rural credit cooperatives need to bring their ID cards, local household registration certificates, income certificates, marriage certificates, loan purposes and other related materials to the rural credit cooperatives to fill in the loan application form.
Waiting for the approval of the bank, the bank will have professionals to review the authenticity of its qualifications and information, and the results will be notified to the superior, who will decide whether to approve the loan application.
After the approval, the borrower and the rural credit cooperatives sign a loan contract, and if there are mortgaged items, they need to sign relevant mortgage contracts; Rural credit cooperatives lend loans to borrowers; The borrower pays off the loan principal and interest on time.
Extended data:
Specific steps:
1. The borrower shall apply to the bank outlets offering small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3. Sign a loan contract with the bank through the examination and approval of the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
Baidu encyclopedia-micro-credit loans