There is an age limit on the credit loans of rural credit cooperatives. The borrower must be at least 18 years old and have full capacity for civil conduct. When handling a loan, the borrower needs to submit personal income certificate, work certificate, marriage certificate, loan application form, loan purpose description, etc. After the submission, the bank will review it and get the loan after passing it.

When handling credit loans of rural credit cooperatives, the borrower's credit information must be good. If the borrower's credit information is poor, it will be rejected by the bank when handling the loan. It should be noted that bad credit information cannot be changed, and the record will be kept for 5 years after the causes of bad credit information are handled.

When handling loans, different users get different quotas. The credit loans of general rural credit cooperatives require the nature of the borrowers' work, such as civil servants, teachers, doctors, lawyers, etc. The number of places given by the above personnel is also high, and the probability of passing is also high.

Users should repay the loan on time, and there should be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer the delay, the more penalty interest will be generated. And the bank will collect after overdue repayment. In fact, when individuals can't repay their loans on time, users can borrow money from friends around them, which can avoid overdue.

Age limit for personal consumption loans of rural credit cooperatives

Personal consumption loans of rural credit cooperatives must be at least 20 years old, have full capacity for civil conduct, and can provide proof of work, proof of income, loan application, loan instructions, collateral, etc. After submission, the bank will review the loan, otherwise the bank will refuse, and relevant information can be added at this time.

When handling personal consumption loans, banks will give a quota according to the loan application submitted by users, which can generally meet the needs of borrowers. After handling the loan, you must repay it on time, and there can be no overdue repayment, because overdue repayment will generate penalty interest and affect personal credit information.

Loans overdue, the bank will collect the money until the borrower pays off all the debts. If the amount owed is relatively large and is not paid for a long time, then the bank will borrow money and the user must return it after the judgment, otherwise the bank will apply for enforcement, which is still impossible.

In order to avoid not being able to repay on time after handling, users can measure their repayment ability in advance before handling the loan, and only when their repayment ability is strong can they handle the loan. If their personal income is insufficient, they should be careful at this time to avoid overdue repayment. In fact, when the loan is not paid, you can borrow money from friends temporarily.

Limit of loan period of rural credit cooperatives

There is no age limit for loans from rural credit cooperatives.

Rural credit cooperatives loan conditions:

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, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit.

The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

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

6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted in accordance with the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

Extended data:

According to the loan policy of rural credit cooperatives:

Article 7 A credit cooperative shall set up a credit evaluation team for farmers. The group consists of the chairman, directors, loan officers, some members of the board of supervisors and members' representatives with certain prestige.

Eighth steps to determine the credit rating and loan amount of farmers:

(1) Farmers apply for loans from credit cooperatives;

(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;

(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.

Article 10 For the farmers whose loan quota has been approved, within the time limit and quota, farmers can apply for loans to credit cooperatives with loan vouchers, household registration books or ID cards, or they can be directly distributed to farmers' homes by credit personnel of credit cooperatives according to farmers' requirements, and fill in the IOUs one by one.

Eleventh credit cooperatives should set up a registration ledger with households as the unit, and change the ledger according to the changes.

The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail.

Twelfth farmers who arbitrarily change the purpose of loans, lease, lend and transfer loan vouchers should immediately cancel their qualifications for micro-credit loans.

Thirteenth after the loan is issued, the loan officer should often go deep into the farmers to understand and master the production and operation of farmers and the use of loans, and strengthen the post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team.

Article 14 The term of micro-credit loans for farmers shall be determined according to the cycle of production and business activities, and shall not exceed one year in principle. If the harvest is refused due to serious natural disasters, the return can be postponed.

Fifteenth farmers micro-credit loans according to the benchmark interest rate and floating range of loans published by the People's Bank of China appropriate concessions.

Sixteenth farmers small credit loans settlement method is the same as general loans.