Credit union guarantors can lend, but they need to meet the loan application conditions required by the lending institution:

Natural persons aged 18-65 years old;

Have A stable career, a stable income, and the ability to repay the principal and interest of the loan on time;

Good credit, no bad records;

The purpose of the loan is clear and in compliance with national regulations;

Other conditions specified by the bank.

The following documents are required for a loan:

Resident ID card, household register, other valid identity certificates, etc.;

Those who are self-employed also need a business license, tax Registration certificate, organization code certificate, special industry business license, account opening certificate, income certificate, contract contract or cooperation agreement and other supporting materials;

If a guarantee is required, guarantee information must also be provided;

Other information required by the bank.

The loan application process is as follows:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank loan ;

Post-loan management;

Repay the principal and interest when the loan is due.