Generally speaking, the longest term of a credit loan is three years, which varies from several months to three years according to different loan products.

You applied for a three-year loan. In the second year, before the loan is issued, your credit information will be inquired. Only when you have good credit information and no bad record can you get this loan.

Rural commercial banks were restructured from rural cooperative banks. They are joint-stock local financial institutions composed of farmers, enterprise legal persons, rural industrial and commercial households and other economic organizations. Their qualifications are joint-stock commercial banks.

Rural commercial banks have always been committed to serving agriculture, countryside and farmers and serving counties, which can effectively meet all kinds of loan needs of urban and rural residents, including micro-credit loans for farmers, joint guarantee loans for farmers, mortgage loans for forest rights, loans for home appliances to the countryside, and overseas labor services loans.