First of all, I don't know which area you are talking about. Yichang is an example. 1, agricultural registered permanent residence; 2. Married; 3. Engaged in planting or breeding. Apply for a loan certificate at the township credit cooperative where the account is located, with a maximum limit of 50,000 yuan. After the credit union agrees, it will receive a rating credit form and get it signed by the village Committee. Then contact the credit union for a loan, and then you can go to the loan at any time. I hope my answer

2. Fuka Campus Card of Hubei Rural Credit Cooperative?

Fuka Campus Card is an IC debit card with debit card and electronic cash function issued by Hubei Rural Credit Cooperative to college, secondary school and middle school students.

The debit part has all or part of functions such as consumption settlement, transfer payment, cash deposit and withdrawal, wealth management service and account management. , and recorded in real time, and overdraft is not allowed; E-cash supports the function of small amount of quick consumption, that is, "flash payment", which can be automatically deposited in domestic ATM machines.

Three, Hubei rural credit cooperatives microfinance conditions

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

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 on the basis of credit, and no mortgage is required.

Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.

If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it.

Four. There are many conditions for granting loans, so you'd better ask the local credit union.

If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.

4. What are the conditions for rural credit cooperatives?

The conditions of rural credit cooperatives are as follows:

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3. basic account or general deposit account has been opened in rural credit cooperatives, and a certain amount of payment deposit has been reserved in this account.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements.

5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

6. Apply for fixed assets. For loans for real estate and other projects, the owner's rights and interests of the lender and the proportion of self-raised funds must meet the requirements stipulated by the state, and complete, standardized and effective documents must be submitted in accordance with the requirements of project management.

7. The accumulated foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

interest rate

(1) interest rate

The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.

Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.

The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.

(2) benchmark interest rate

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.