Rural credit cooperatives loan conditions:

1. The lender must be a farmer or self-employed person within the jurisdiction of the rural credit cooperative, with full capacity for civil conduct and the ability to repay the principal and interest of the loan.

2, good credit, loan certificate, if it is a mortgage loan or need to provide collateral or pledge that meets the requirements.

3. The purpose of the loan is legitimate.

Two, Qinghai rural credit cooperatives white-collar card loan description

Personal "White-collar Link" credit loan refers to the RMB loan business with special purpose, which is issued to our white-collar individual customers on the basis of pre-credit, with the borrower's income as the repayment source and personal credit as the guarantee. 1. Its uses include house purchase, car purchase (self-use type), parking space purchase, house decoration, purchase of large durable consumer goods, travel, study abroad, education, marriage, medical treatment, purchase of large life insurance, asset replacement and other personal loans with specific purposes. Without any guarantee, you only need to give the borrower credit in advance to get the loan, and you can repay it when you borrow it during the credit period. 3. Application conditions 1) China citizens with valid identification and full capacity for civil conduct; 2) Be law-abiding, have good conduct and reputation, and be willing to accept our credit investigation, settlement supervision and personal credit inquiry and rating; 3) Individual customers whose personal credit score is above 70 (inclusive) and who can guarantee to repay the loan principal and interest on time; 4) Be able to provide the income certificate recognized by the bank; 5) If the applicant is married, a letter of commitment that the applicant's spouse agrees to apply for the business and promises to share the debts; 6) Upon examination, it meets the qualification of "white-collar customer" of our bank, and has granted credit, opened and held the "Sanjiang White-collar Card" of our bank; 7) Use loans in accordance with bank regulations, and provide relevant down payment certification materials for loans for house purchase, car purchase and other purposes; 8) Customers applying for loans must purchase personal accident insurance with the insurance amount not less than the loan principal and interest and the insurance period not less than the loan period from the insurance company designated by the bank; (9) Other conditions stipulated by the bank. : Provide information 1, the identity certificate, household registration certificate, original and photocopy of marriage certificate of the applicant and his spouse; Unmarried or divorced, provide relevant documents and copies; 2. The monthly (or annual) salary certificate issued by the employer of the applicant and his spouse and the applicant's on-the-job certificate. 3. The original and photocopy of the applicant's education certificate, and relevant information on family property status; 4. Other documents or materials required by the bank. Loan amount, term, interest rate 1, and personal credit score of 95 points or above. In principle, the credit line shall not exceed 4 times of its annual income, with a maximum credit line of 300,000 yuan (inclusive) and a maximum credit period of 3 years (inclusive); 2. The personal credit score of the Bank's second-class customers is between 85 (inclusive) and 95 (inclusive). In principle, the credit line shall not exceed 3 times of its annual income, with the maximum credit line of 200,000 yuan (inclusive) and the longest credit period of 2 years (inclusive); 3. The personal credit score of Class III customers of the Bank is between 75 (inclusive) and 85 (inclusive). In principle, the credit line shall not exceed twice its annual income, with the maximum credit line of 654.38+10,000 yuan (inclusive) and the longest credit period of no more than 2 years (inclusive); 4. Customers whose personal credit score is between 70 and 75 are Class IV customers of the Bank. In principle, the credit line shall not exceed 1 times of its annual income, and the maximum credit line shall be 50,000 yuan (inclusive).

Three, rural credit cooperatives loans need to meet the conditions, please answer in detail, thank you.

I don't know what kind of money you need to borrow from the rural credit cooperatives, and what is the loan amount? If you are a farmer, you can apply for farmers. If not, you can apply for other loan types, such as personal credit loans and so on.

But because I don't know what your specific situation is, I can only talk about the basic process of applying for a loan:

The borrower submits written loan application materials, including ID card, household registration book, personal income certificate and other relevant application materials required by the bank; Banks should review and investigate the application materials submitted; After the bank has passed the examination and investigation, it will sign a loan contract with the borrower; Bank loan, the applicant uses the loan; The Borrower repays the loan on schedule as agreed in this Contract. I hope I can help you.