I don't know what conditions I want when I think of a credit cooperative loan.

Although the word "bank" is not added after "rural credit cooperatives", the basic business of rural credit cooperatives and banks is highly consistent. In fact, rural credit cooperatives are banking financial institutions, whose main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. Its purpose is to "help each other and help each other with funds".

And if you want to borrow from rural credit cooperatives, you must meet the following three conditions:

In fact, these institutions will inquire about the credit information of borrowers, whether in rural credit cooperatives or other commercial banks. If the borrower's credit information is good, then the loan is relatively easy; However, if the borrower's credit information is poor and the credit report score is low, it is difficult to obtain a loan in this case.

If you want to borrow from a rural credit cooperative, your personal credit information must meet the requirements of this credit cooperative (different credit cooperatives may have subtle differences in credit information requirements). The following behaviors will affect personal credit information and must be avoided as much as possible in life:

Note: Due to the failure to repay the loan as agreed, our credit rating was lowered. Many people will notice these two points when borrowing money or using credit cards; However, many people will ignore it. In fact, although there is no overdue record, every time you apply for a loan or credit card, the lending institution will inquire about personal credit information, which leads to too many records of credit information inquiry, which is often called "credit information spent".

No one will be so generous as to lend money to others without expecting others to pay it back, and so will credit cooperatives. If you want to borrow from a credit cooperative, especially a large loan, you must have relevant information to prove that you have good repayment ability. You can prove your repayment ability in the following three ways:

Even if the above conditions are met, it may not be possible to lend to the rural credit cooperatives. The borrower also needs to meet the following three basic conditions:

Have permanent residence or long-term residence certificate of rural credit cooperatives within their jurisdiction. This kind of proof can make credit cooperatives more assured of lending and reduce the risk of lending.

Open a personal settlement account in a rural credit cooperative.

At least 18 years old, with full capacity for civil conduct.

To sum up, if you want to borrow from a rural credit cooperative, you need to meet at least three conditions: 1. Personal credit information meets the needs of credit cooperatives, and there is no record of non-performing loans and no excess credit account; 2. Good repayment ability can be proved by these three ways: personal running water, income proof, etc. Collateral with certain value and guarantor with guarantee ability; 3. Other basic information of the borrower: permanent residence or long-term residence certificate within the jurisdiction of the credit cooperative; Open a personal settlement account in a credit cooperative; At least 18 years old, with full capacity for civil conduct.