Conditions for applying for loans from rural credit cooperatives
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.
2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.
3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.
4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit.
The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it must be commercialized and easy to realize.
5. The asset-liability ratio of rural borrowers shall not be higher than 70%.
6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted in accordance with the requirements of project management.
7. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.
8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.
Extended data:
Rural credit cooperatives loan object
1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, fishery and other industries.
2, approved by the relevant departments to implement independent accounting of township (town) office, village office, organization office, household office and various forms of joint venture or new economic consortium.
3 rural cultural, educational and health research institutions with guaranteed operating income and repayment.
4, approved by the relevant departments engaged in handicrafts, commerce, transportation, construction, service industry and other rural individual economic households and economic associations. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks.
What conditions do rural credit cooperatives need for loans?
I. Loan conditions:
1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.
2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.
3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.
Second, the loan process:
(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.
(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.
(3) Issuing loan vouchers.
(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).
(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.
(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.
Extended data
The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives. However, because the nature, status and role of credit cooperatives are different from those of national specialized banks, they have their own characteristics in the specific operation of loans:
First, the majority of credit cooperatives loan targets involve various ownership and fields in rural areas, including:
1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, fishery and other industries.
2, approved by the relevant departments to implement independent accounting of township (town) office, village office, organization office, household office and various forms of joint venture or new economic consortium.
3 rural cultural, educational and health research institutions with guaranteed operating income and repayment.
4, approved by the relevant departments engaged in handicrafts, commerce, transportation, construction, service industry and other rural individual economic households and economic associations. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds.
Second, the flexibility of loan management The flexibility of credit cooperatives' loan management refers to the credit cooperatives' independent credit business under the guidance of the policies, decrees and plans of the party and the state, in accordance with the principle of proportional management, giving full play to the role of private lending and inducing the rational flow of rural funds.
What conditions do rural credit cooperatives need for loans?
First, register the loan application, put forward the requirements of amount, term and purpose, and provide mortgaged and pledged goods. If there is no mortgage or pledge, you can provide a guarantor with economic strength. After the registration is completed, the account manager will generally inspect your conditions on the spot within three days to ensure your qualification. After the investigation is completed, the account manager will submit the investigation to the loan approval team. Meet the loan conditions, do not meet the loan conditions, short-term loans generally reply within 7 working days, long-term loans 1 month. Beyond the examination and approval authority of the credit cooperatives, it shall be submitted to the examination and approval department at the next higher level, and the time shall be extended, generally 5 working days.
Can rural credit cooperatives handle personal loans now?
Of course.
Rural credit cooperatives personal loan application conditions are as follows:
1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity;
2. The purpose of the loan is clear and legal;
3. The loan application amount, term and currency are reasonable;
4. The borrower has the willingness and ability to repay;
5. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record;
6 have a stable economic income and the ability to repay the principal and interest of the loan on schedule;
7. Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives;
8. Other conditions required by the lender.
Extended data
Loan risk
1. When rural credit cooperatives collect loans through litigation, they do not carefully examine the basic situation of the parties, and some parties no longer have the main qualifications, which increases the risk of loan recovery.
2. Lenders are lax in examining loans, and some borrowers sign loan contracts or guarantee contracts with financial institutions under the guise of others, resulting in loans that cannot be recovered in the end.
3. The post-lending supervision mechanism of financial institutions is not perfect, and post-lending management is neglected, and even collection is not allowed. Only when the limitation period expires or it is critical, it is found that the whereabouts of the borrower and even the guarantor are unknown, and there is no hope of loan recovery, resulting in non-performing loans.
Refer to Baidu Encyclopedia-Personal Loan
Refer to Baidu Encyclopedia-Rural Credit Cooperative Loan