Go to the credit union to apply for a loan of 654.38 million yuan. If you choose to apply for a credit loan, you need to go through the following procedures:

1. You need to prepare personal ID card, bank card, passbook, running bill and other income certificates first, and go to the branch counter to find a staff member to handle them;

2. Get the loan application form and fill it out, and then hand it over to the staff together with the information. After finishing, the staff will hand it over to the audit department for review.

3. Review the audit, liabilities, loan purposes, repayment, examination and approval, and the inquiry of personal credit report, and report the credit status to the superior bank for examination and approval.

4. If it is finally passed, the credit union will send a message. After receiving the notice, it is necessary to sign the loan contract and related agreements at the outlets within the agreed time.

5. After signing the contract agreement, the credit cooperative will issue the loan funds to its bank card. You can use the funds after you receive them, and then just remember to repay them on time according to the repayment plan agreed in the contract.

You can apply for a loan first: a small amount. If the credit is not good, wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

Extended data:

What are the conditions for a credit cooperative loan of 654.38 million yuan?

The conditions of rural credit cooperatives in different regions will be different, and the basic conditions need to meet the following points:

1, age 18-65 years old (with high value preservation, it can be appropriately relaxed);

2) having legal and stable economic income in the service area of rural commercial banks;

3. No major bad credit records (in line with the standards of rural commercial banks);

The purpose of applying for a loan is clear.

5, its own funds not less than the prescribed proportion;

6, family members in rural commercial banks without effective credit (housing, cars

7. Can provide a guarantee recognized by rural commercial banks.

8. Other conditions stipulated by the credit union.

2. What procedures and conditions do credit cooperatives need for loans?

The personal loan conditions of credit cooperatives are as follows: 1. In order to meet your short-term capital needs, you apply for a loan from a city credit cooperative with personal or other people's private property as collateral. The borrower must meet the following conditions: 1,/kloc-a natural person with full civil capacity between 8 and 60 years of age. Provide valid identity documents and their copies. 2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule. 3. In addition to the mortgaged property, the mortgagor has another set (or more than one set) of property for the mortgagor to live in. 4. There are assets recognized by urban credit cooperatives as collateral, or (and) legal persons, other economic organizations or natural persons recognized by cooperatives with sufficient compensation capacity as guarantors. 5. Other conditions stipulated by the municipal credit cooperative. 2. Personal housing/commercial housing loans refer to RMB loans granted by urban credit cooperatives to eligible natural persons for the purchase of self-owned housing and commercial housing (excluding second-hand housing). The loan target of individual housing/commercial housing is/kloc-a natural person with full civil capacity between 0/8 and 60 years old. Borrower's application conditions: 1. Local permanent residents with legal identification and full capacity for civil conduct. 2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule. 3. There are legal and valid housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions. 4. There are funds above 20% (inclusive) /40% (inclusive) of the total price of the purchased house as the down payment. 5. Having assets recognized by this institution as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this institution as guarantors. 6. Other conditions required by urban credit cooperatives. Article 11 of the General Principles of Loans: The term of the loan shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

3. What conditions and procedures do credit cooperatives need for loans?

I suggest you consult the relevant personnel of the local credit union directly.

4. Can rural credit cooperatives lend in 2023?

Nengdai

Rural credit cooperatives loan conditions:

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.