1. Hello, I want to open a shop and get a loan from a credit union, 654.38+10,000 yuan. I don't know if I can get a loan.

You can go to the bank to get a mortgage.

Let's see what others say.

Second, is it good for rural credit cooperatives to lend 65,438+10,000 yuan?

The loans of rural credit cooperatives meet the characteristics and needs of farmers and provide support for farmers' economic activities such as agricultural production and commodity trading. Mainly personal loans, the amount is generally 20,000 to 30,000 yuan. It is suggested that borrowers who want to obtain high funds apply for joint loans, and usually get a quota of about 654.38+ 10,000 yuan. As for the interest rate, it fluctuates according to the borrower's credit status and loan situation on the premise of taking the central bank's loan interest rate as the implementation standard. The loan term is 1 year and the interest rate is about 4.35%. The loan term is 1-5 years and the interest rate is about 4.75%. Interest rates are not fixed. If you want to know the specific interest rate, you have to ask the local credit union.

hypothesis

1. The borrower is a China citizen with full capacity for civil conduct who is not over 60 years old and has a rural hukou; 2. The borrower's credit status has been good; 3. The borrower has good operating ability and repayment ability, and the projects used in the loan can bring profits with little risk of income; 4. Be able to produce a guarantee and a valid related guarantee; 5. Loans shall not be used for business activities that do not meet the requirements of national industrial and environmental policies.

Handling process

First of all, the borrower needs to bring the required information, such as identification and guarantee information, apply for a loan at the local credit cooperative and fill in the relevant application form. Rural credit cooperatives will confirm and review the information of loan applicants and investigate them. If the borrower passes the examination and approval, the rural credit cooperatives will sign a contract with him and issue loans after signing the contract. After the loan is issued, the borrower will fulfill the repayment and interest payment obligations agreed in the contract.

3. Can local people get loans from rural credit cooperatives?

Locals are more likely to borrow money from residents with different accounts. Proof materials required for local residents' loans are relatively easy to examine, and contacts and guarantors are also easy to find. Interest rates are generally lower than foreign loans, and loans are relatively loose. You can apply for loans in small commercial banks such as credit cooperatives, and the loan approval is fast. First of all, rural credit refers to loans for farmers with rural household registration to use seeds, breeding and other sales expenses. Of course, real estate can also be used. Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued by credit without mortgage. Third, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives hope to better prevent and control risks, understand customers and collect loans more conveniently. If the guarantor is abroad or not local, it can't be done. Of course, it does not meet the guarantee conditions. Just find someone to guarantee it. Four. There are many conditions for granting loans, so it is best to consult the local credit cooperatives. If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) prove marital status.

Fourth, the loan conditions of rural credit cooperatives, what conditions do you need for a loan of 654.38+ million?

What are the loan conditions of rural credit cooperatives, and what are the loan conditions of 6.5438+10,000 yuan?

Generally speaking, the loan products of rural credit cooperatives can be divided into three forms, one is credit loan, the other is secured loan, and the other is mortgage loan or mortgage loan.

Unsecured/credit loan

Credit loans are mainly for farmers with good reputation, strong repayment ability and long-term residence in the jurisdiction of credit cooperatives. The general credit loan amount is relatively low, and the loan amount is less than 6,543,800+million, with a maximum of 50,000.

Secured loan

Guaranteed loan is what we often call a joint guarantee loan for farmers. Farmers who need loans spontaneously form groups to supervise each other, and the loan amount is generally below 654.38+ 10,000.

Mortgage loan/

Mortgage loan is to mortgage the credit union with the property that the borrower has the right to dispose of. Common collateral includes houses, land, forests and so on. The loan amount is allocated in proportion to the value of collateral, and the loan of 6,543,800 yuan+10,000 yuan is not a big problem.

The specific loan conditions are:

1. At least 18 years old, with full capacity for civil conduct, is a local resident.

2. Can provide valid proof of residence and have the ability to repay in full and on time.

3. Good credit record and willingness to repay.

4. The mortgaged house has clear property rights and can provide real estate license and land certificate. The co-owner of the house agrees to mortgage the house. The mortgaged house has resale value and there is no water leakage.

5. The age of the mortgaged property shall not exceed 20 years, and the loan amount shall generally not exceed 70% of the value of the mortgaged property.

The loan process is as follows:

1. Before borrowing money, consult the credit union whether it meets the loan conditions, and if so, what loan materials need to be prepared.

2. After knowing the situation clearly, prepare the relevant loan information, and then apply for a loan at the credit union.

3. The staff began to examine and approve the materials after accepting the loan demand.

4. After approval, both parties sign a loan contract.

5. Go through the mortgage formalities.

6. After all the formalities are completed, the rural credit cooperatives will issue loans and the borrowers will repay them on time.