1. Rural credit cooperatives are open from Monday to Sunday, from 8: am to 5: pm from Monday to Friday, without rest at noon, and can do business at any time.

2. However, on Saturday and Sunday, it is closed to businesses or units, that is, personal savings business is handled. Working hours have also been changed to 9; 3-16; , there is no rest at noon, and employees work in shifts.

3. Rural credit cooperatives in cities: The working hours are usually at 7:4 in the morning, waiting for the escort handover-starting at 8: in the morning (9: in some places). Rest for half an hour at 12 noon (in some urban areas, only loan officers and counter directors can rest until 14 o'clock), close at 17:5 pm and get off work at 19 o'clock

4. Rural credit cooperatives are open from Monday to Sunday, from Monday to Friday at 8: am to 5: pm, and can do business at any time without rest at noon. However, on Saturday and Sunday, it is closed to public or unit business, and only personal savings business can be handled. Office hours are usually from 9: 3 to 16: .

Extended information

Loan conditions

1. 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 business legal persons that do not need to be approved and registered by the industrial and commercial departments, they should go through the annual inspection procedures by the industrial and commercial departments.

3. basic deposit account or general deposit account has been opened in rural credit cooperatives, and a certain amount of payment deposit has been reserved in this account; Voluntary acceptance of the supervision and inspection of the credit and settlement of the loan agency can ensure that the business plan and related business and financial statements are submitted to the loan agency on a regular basis.

4. To apply for a guarantee or mortgage loan, you must have a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that has opened a deposit account in a rural credit cooperative and has good economic benefits and credit reliability. Collateral for loan must comply with the Guarantee Law of the People's Republic of China 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 7%.

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 stipulated by the State Council, and at the same time, complete, standardized and effective documents must be submitted according to the requirements of project management.

7. Except as stipulated by the State Council, the accumulated amount of equity investment in foreign equity of limited liability companies and joint stock limited companies does not exceed 5% of their net assets.

8. Rural borrowers must apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures as required.

Reference: Baidu Encyclopedia-Loan Conditions