It usually takes half a month to lend money, and individuals apply for loans from rural credit cooperatives. Generally, he should meet the requirements of the applicant 18~60 years old, with good credit, stable income and stable work or residence address. Generally speaking, he needs 7~ 15 working days. If it is short, it may take about three working days. However, if the loan amount of local rural credit cooperatives is tight, it may take a long time; Then the loan time will be delayed, and it is normal for 1-3 months to get the loan funds. When handling general loans in rural credit cooperatives, after signing the loan contract and completing the relevant procedures, the credit cooperatives will transfer the loan amount to the account known to the borrower.

1. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate, then apply to the rural credit cooperatives for loan business, and then review the purpose and related materials, and then issue loans after all the conditions are met. Bian Xiao suggested that you prepare relevant materials before applying for a loan, so as not to delay the review time.

Second, the characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives.

Three, however, due to the nature, status, role and other reasons. Credit cooperatives are different from national specialized banks, so they have their own characteristics in the specific operation of loans:

Loan conditions of rural credit cooperatives

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

After applying for a loan in a rural credit cooperative, I realized that such factors have a certain relationship with many factors, such as time, holidays, and whether your own information is complete or not. So I suggest that you consult in detail what information you need to prepare before applying for a loan, so as not to delay the examination time.

How long can the credit union loan be repaid?

Credit cooperatives need three to five working days to issue loans.

After submitting the loan application of the credit union, the system will release the loan according to the loan application. Under normal circumstances, the more loans, the longer the loan time. Generally, the card will be released within three working days, not more than five working days at the latest.

How many days can rural credit cooperatives borrow?

What is the lending time of rural credit cooperative loans related to? It is understood that the lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the lender's loan procedures are complete, and the purpose of the loan". Then, after the lender submits the loan application and meets the loan conditions, how long does it take for the rural credit cooperatives to lend money?

1. How long is the loan lending time of rural credit cooperatives?

1. If the credit line of the rural credit cooperative is loose, it will take about seven working days to release the loan as long as the loan procedures of the lender are complete;

2. If the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.

2. What information does a lender need to get a loan from a rural credit cooperative?

1, ID card, household registration book;

2. Marriage certificate and income certificate (3 consecutive issues);

3, real estate warrants (or single coupon)

4, the guarantor's ID card, household registration book, proof of marital status, etc.

5. Information required by the bank.

How many days does the rural credit cooperative loan?

The arrival time of rural credit loans is related to many factors, such as whether the borrower's application materials are complete, bank audit system, loan use inspection, holidays and so on.

Generally speaking, the lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".

Under normal circumstances, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money; However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed. It is normal to get the loan funds in 1-3 months, so just wait patiently.

Extended data

Matters needing attention

1. Apply for a loan certificate from the local rural credit cooperative first.

2. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate.

3, farmers can hold the "loan certificate" and valid identity documents, directly apply to the rural credit cooperatives.

4, rural credit cooperatives after receiving the loan application.

5, rural credit cooperatives to review the purpose and amount of loans.

6. Loans can only be issued after passing the examination.