First of all, rural credit microfinance refers to loans for farmers with rural household registration for seed, breeding and other sales expenses. 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 by credit without mortgage.

Third, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives hope to better prevent and control risks, understand customers and collect loans more conveniently.

If the guarantor is abroad or not local, it can't be done. Of course, it does not meet the guarantee conditions. Just find someone to guarantee it.

Four. There are many conditions for granting loans. 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.). ) prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.