The loans of rural credit cooperatives are mainly divided into mortgage loans and credit loans. Mortgage is simple. You can get a loan line by mortgaging things. The credit loan bank will give you a certain amount of loan according to your personal credit information.

Extended data:

1. What are the requirements for bank loans?

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Second, the significance

Banks put concentrated money and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation.

In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.

Supplementary information:

Loans must meet the conditions before they can be issued.

Loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.