1. What conditions do I need to get a loan from a rural credit cooperative?

Different loans have different conditions, and banks in various places also have different policies. You should first explain the type of loan you have. , but in general, the following conditions need to be met for your reference:

Loan conditions

1. Be 18 years or older, have full capacity for civil conduct, and have a fixed residence in China , a natural person of Chinese nationality with valid identity certificate.

2. Have a legitimate occupation and stable economic income, and be able to guarantee the repayment of loan principal and interest on schedule.

3. Open a savings account in the lending bank and deposit a down payment of no less than the prescribed proportion of total consumption and expected mortgage registration fees, notary fees, insurance premiums and other expenses.

4. It can provide effective guarantee measures recognized by banks for personal consumption loans.

5. The loan purpose complies with the specified scope.

2. What are the loan business conditions of rural credit cooperatives

The loan business conditions of rural credit cooperatives are:

1. The borrower is a Chinese citizen with full capacity for civil conduct. Citizens of the People's Republic of China; the purpose of the loan is clear and legal; the loan application amount, term and currency are reasonable; the borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral character, abides by laws and regulations, and has no major bad credit record; has stable economic income and the ability to repay the principal and interest of the loan on time; opens a current account in a rural credit cooperative The deposit account can provide effective guarantees and mortgage (pledge) guarantees recognized by rural credit cooperatives; other conditions required by the lender.

3. Personal production and operation loans, unless meeting the above conditions, may not be used for the following purposes: production and operation activities that do not comply with national industry and environmental protection policies; customers who have been included in the restricted or eliminated categories of our bank operations; capital market investment; repayment of non-performing financial debts.

Legal Basis

Article 202 of the "Property Rights Law" stipulates that the mortgagee shall exercise the mortgage right within the statute of limitations for the principal creditor's right; if it fails to exercise it, the people will not protect it.

3. What are the loan conditions of rural credit cooperatives

With the development of loans, many people will solve their financial problems by applying for loans. In rural areas, they all apply for loans through rural credit cooperatives. If a credit union applies for a loan, what are the loan requirements for rural credit cooperatives?

Rural Credit Cooperative Loan Conditions

1. Be at least 18 years old, have a legal and valid identity certificate and a loan bank Proof of legal residence in the location, with a fixed residence or business place.

2. Engage in legitimate production and business activities, have stable economic income, have good credit, and have the ability to repay the principal and interest of the loan on time.

3. Rural borrowers must apply for a loan card in accordance with the regulations of the People's Bank of China and go through annual inspection procedures as required.

4. The purpose of the loan complies with relevant national laws and credit policies and is not allowed to be used for equity investment.

5. Have assets recognized by the Society as mortgage or pledge, or have legal persons, other economic organizations or natural persons recognized by the Society as guarantors.

6. Open a settlement account with the bank, and the business income will be settled through the bank.

7. The asset-liability ratio of rural borrowers shall not be higher than 70%.

Although rural credit cooperative loans and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that loans from rural credit cooperatives are subject to national laws. If the borrower's interests are infringed, he can protect his legitimate rights and interests through legal channels. However, private loans are different. The legal protection of private loans is conditional. For example, if the interest rate of private loans exceeds four times the interest rate of similar bank loans, the excess will not be protected by law.

4. What is the interest rate of Hebei Rural Credit Cooperative’s large certificate of deposit in 2022?

Answer: The deposit interest rates of rural credit cooperatives in Hebei Province in 2022 are as follows:

1. Whole deposits and withdrawals. The three-month interest rate is 2.86%; the half-year interest rate is 3.08%; the one-year interest rate is 3.30%; the two-year interest rate is 3.75%; the three-year interest rate is 4.25%; and the five-year interest rate is 4.75%.

2. Whole deposit withdrawal, whole deposit withdrawal, principal deposit and interest withdrawal.

The one-year interest rate is 2.86%; the three-year interest rate is 3.08%; the five-year interest rate is 3.30%.

3. Live and work regularly. A 40% discount on the same grade of interest rate for regular lump sum deposits within one year.

The credit union deposit interest rates in each region will fluctuate. For specific details, please refer to the actual transaction interest rate.

Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to rural credit cooperatives established with the approval of the People's Bank of China, composed of members as shareholders, practicing democratic management, and mainly providing financial services to members. Cooperative financial institutions.

Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws.

Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.

Nature of the institution

Rural credit cooperatives are bank financial institutions. The so-called bank financial institutions are also called depository institutions and depository currency banks. Their unique characteristic is that they absorb deposits. As the main liability, it takes the granting of loans as its main asset, handles transfer and settlement as its main intermediary business, and directly participates in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions jointly formed by individuals to raise funds with the main purpose of mutual assistance, referred to as "credit cooperatives", with the purpose of mutual aid and self-help. Carry out deposit and loan business among members. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.

Due to the characteristics of seasonal, sporadic, small amount and small-scale financing needs of agricultural producers and small commodity producers, it is difficult for small producers and farmers to obtain the support of bank loans, but objectively, production The development of circulation and circulation must solve the problem of insufficient capital, so this kind of mutual aid and self-help credit organization established by paying shares and deposits emerged.

Rural Credit Cooperatives are cooperative financial organizations composed of farmers who own shares, implement democratic management by the members, and mainly serve the members. It is a legal financial institution established with the approval of the People's Bank of China in accordance with the law