1. The borrower is a Chinese citizen with full capacity for civil conduct; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the principal and interest of the loan on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the operation of restricted and eliminated customers of our bank; Capital market investment; Pay off bad financial debts.

2. Loan methods of rural credit cooperatives:

1. Credit loans, which are generally low in amount and only issued to agricultural registered permanent residence, who has lived in the jurisdiction of credit cooperatives for a long time.

2. Guaranteed loans. In rural credit cooperatives, there are: farmers' guaranteed loans and public officials' guaranteed loans.

3. Mortgage loan or pledge loan. Common collateral includes houses, land, forests, etc. The loan amount is paid in proportion to the value of the collateral.

Extended information

Loan interest rate of rural credit cooperatives

Generally speaking, there is no specific amount of loan interest rate of credit cooperatives, and the interest rate is mainly determined according to the qualifications of borrowers, the interest rate of the central bank and the guarantee method.

1. According to the regulations, credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. Generally speaking, the lower limit of the loan interest rate of rural credit cooperatives is .9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3%.

2. Under the same conditions, the better the borrower's qualification, the lower the loan interest rate.

3. There are four common methods of guarantee, namely pledge guarantee, mortgage guarantee, guarantee guarantee and credit loan. Under the same conditions, the loan interest rate of pledge loan is the lowest, followed by mortgage loan and guarantee loan, and the credit loan is the highest.

requirements for rural credit cooperatives

1. On the premise of supporting agriculture, the funds organized by the credit cooperatives themselves have sufficient surplus funds for issuing this loan. Every 5 million yuan of surplus funds can only issue 1 million yuan of corporate loans at most. It is not allowed to issue corporate loans with borrowed funds or re-loans from the People's Bank of China;

2. If this loan is granted, the proportion of this enterprise loan in the total loan of the credit union cannot exceed 1%; The proportion of the largest ten loans of a credit cooperative to the total loans cannot exceed 5%.

3. City and state associations and credit cooperatives must have loan feasibility demonstration reports, sufficient reasons for lending, and improvement measures for existing deficiencies;

4. Most of the loan review committees of municipal and state associations and credit cooperatives agree, among which: the chairman and director must agree at the same time, and the words "agree" shall be marked respectively;

5. The principal responsible persons of municipal and state associations and credit cooperatives must sign the words "true and correct" on all the loan information reported.

6. The responsibilities of the person in charge of the loan (the loan officer of the credit union, county union, city union, the leader in charge of the credit, the principal responsible person and other relevant personnel).

Baidu encyclopedia-loans from rural credit cooperatives