Changsha Rural Commercial Bank can make loans at any branch, which is relatively easy to handle. The loan handling bank is responsible for approving and accepting the loan business, so the bank card can be left in the bank and can be withdrawn once the loan is made elsewhere.

Is it easy for rural commercial banks to borrow money?

It is not difficult for rural commercial banks to raise funds. Rural commercial banks are joint-stock local financial institutions jointly funded by farmers, rural operators, enterprise legal persons and their patient economic organizations. The proportion of qualified shares of rural credit cooperatives in China has dropped below 30%, with about 303 rural commercial banks and 2 10 rural cooperative banks. The total assets of rural banks account for 465,438+0.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have reached or almost reached the conditions for establishing rural commercial banks. Through the reform, the governance mode of rural credit cooperatives has undergone fundamental changes, the long-standing internal control problems have been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the deep-seated system reform.

What conditions do rural commercial banks need for loans?

1. The loan conditions of rural commercial banks are: the applicant is a legal citizen above 18, generally under 65 years old;

2. Have legal and stable economic income, good credit, ability to repay loan interest, clear consumption intention or sign relevant consumption contracts, and can provide guarantees recognized by the lender.

3. Have full capacity for civil conduct and have permanent residence or valid residence status in the town where the loan bank is located.

4. Patient conditions stipulated by rural commercial banks.

Now the house price is very high, and it is common to apply for a bank loan to buy a house. Buying a house is not particularly easy. It takes half of the family's savings to pay the down payment. So you can borrow money to buy a house, so that young people can realize their dreams early. However, how to borrow money to buy a house has become a problem for many people. Especially for you in rural areas, most of you will choose rural commercial banks. Moreover, the housing loans of rural commercial banks are relatively concentrated. Not particularly generous in the application. If you have good credit, sufficient repayment ability and necessary information, you can apply smoothly. So you don't have to worry too much about this. As long as we meet certain conditions, we can apply smoothly.