Jiangxi Shangrao Yiyang Rural Commercial Bank is very good. Yiyang Rural Commercial Bank will continue to promote the aging of financial services, focus on the scenes and high-frequency problems of elderly friends in the field of financial services, focus on solving the difficulties and obstacles they encounter in the field of financial service informationization, and constantly provide more sophisticated, safer, more intimate and thoughtful quality financial services, and become a "caring bank" for elderly friends.

1. How much can a rural commercial bank borrow for personal loans?

The loan amount of individual student loans of rural commercial banks is 50,000, the minimum loan amount that can be applied for is 50,000, and the maximum loan amount cannot exceed150,000; The credit loan limit for personal loans is not allowed to exceed 654.38+00,000, and the applied loan limit cannot exceed 654.38+00% of the borrower's family net assets; If there is a guarantor to apply for a secured loan, the maximum amount that can be applied for is no more than 6,543,800 yuan+0.5 million yuan. Generally speaking, the amount of personal loans that rural commercial banks can apply for depends on the applicant's application type. Different applicants can apply for different loan amounts. The better the personal credit information, the higher the loan amount that users can apply for. It should be noted that after the lender accepts the borrower's application, the bank will investigate the borrower's credit rating and the legality, safety and profitability of the loan.

Second, how to handle personal credit loans of rural commercial banks?

Apply for a loan, fill in the loan application form and submit the materials; The borrower's credit rating can be assessed by the lender independently, internally or by an assessment agency recognized by the competent department; Loan investigation: after accepting the borrower's application, the lender will investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk; For loan approval, the lender should establish a loan management system with separate loan approval levels; To sign a loan contract, all loans shall be signed by the lender and the borrower; When the lender issues the loan, it shall issue the loan on schedule in accordance with the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

The personal credit loans of rural commercial banks must be repaid on schedule, and don't default, otherwise high interest will be generated and your credit will become lower.