Personal credit loans are generally divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

Extended data:

Other conditions required by the credit cooperatives:

(1) has the ability to repay the principal and interest on time. If the loan amount cannot be repaid, the credit examiner will re-evaluate the loan amount during the approval process to control the risk.

(2) With the annual inspection procedures handled by the industrial and commercial departments, except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments.

(3) A basic account or general deposit account has been opened in a rural credit cooperative, and a certain amount of payment deposit has been reserved 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.

Requirements for farmers' obligations:

(1) has China nationality, and is over 18 years old (inclusive). The sum of age and loan term when applying for a loan shall not exceed 65 (inclusive).

(2) Have the ability to repay the loan principal and interest on schedule.

(3) The production and business operation activities conform to the national laws, regulations and industrial policies.

(4) Other conditions stipulated by rural credit cooperatives.