Hangzhou ruixin
The situation of rural credit cooperatives
1. Be at least 18 years old, have full capacity for civil conduct, and the sum of the borrower's age and the loan term shall not exceed 60 years, that is, the borrower must be an adult with repayment ability.
Two, have the ability to work, is the head of the household or major family members.
Three, a rural credit cooperative permanent residence or long-term residence certificate, and a fixed residence. Finding a borrower without a fixed address is risky.
Four, a legitimate and stable income and the ability to repay the loan on time.
5. The borrower and family members have no bad credit records.
Six, open a personal settlement account in rural credit cooperatives, the main settlement business through rural credit cooperatives.
Seven, its own funds reached more than 30% of the total demand for funds.
Eight, in line with the relevant requirements of rural credit cooperatives rating credit.
Nine, other conditions stipulated by the rural credit cooperatives.
Second, the loan interest rate of rural credit cooperatives
The benchmark interest rate of rural credit cooperatives is the standard, which is 0.9 times that of lenders, and the upper limit is 2.3 times that of benchmark interest rate. Details are as follows: 1. The commercial loan interest rate of Agricultural Administration Gaocun Credit Cooperative: the interest rate for less than six months (including six months) is 5.6 1 year, the interest rate is 6.00%, the interest rate for 1 year to three years (including three years of hail) is 6. 15%, and the interest rate for three years to five years. 2, rural credit cooperatives provident fund loan interest rate is 0.00%, more than 5 years is 4.50%. Next, what are the application conditions for Bian Xiao loan? Information needed to apply for a loan from a rural credit cooperative 1. The applicant fills in the personal loan application form, and fills in the form or household registration book; 3, provide a description of the family property, as well as the applicant's spouse's unit or neighborhood committee to produce valid identity documents and copies of other relevant materials to be provided.
Third, loans from rural credit cooperatives
You don't have to be an official, you can also be a boss like Cao Wangde ... (I am a friend of Yunnan, I don't know about your situation in Fujian)
But now it is the end of the year ... most bank loans will be postponed next year ... this year's quota is basically used up!
4. What is the loan interest rate of rural credit cooperatives?
It is based on the benchmark interest rate of the central bank loan and adjusted according to the specific situation of the lender. The lower limit is 0.9 times of the benchmark interest rate and the upper limit is 2.3 times of the benchmark interest rate. Details are as follows:
1. Commercial loan interest rate of rural credit cooperatives: 5.60% for less than 6 months (including 6 months), 6.00% for 6 months to 1 year (including 1 year), 6. 1 year (including 3 years).
2. Interest rate of provident fund loans of rural credit cooperatives: 4.00% within 5 years (including 5 years) and 4.50% over 5 years.