Loan type:
1, micro-credit loans for farmers
2. Guaranteed loan
3. Mortgage loan
1 We need to give you a credit rating, and then you can issue loan funds with corresponding rating. If you choose a guarantee, you should consider the repayment ability and credit status of the guarantor. General mortgage loans are calculated according to 75% of the collateral, and the success rate of such loans is high. Because credit cooperatives mainly consider risk when lending.
Loan terms:
1, it must be the head of the household.
2. Use legal compliance.
3. The borrower has no bad credit record.
4. Have a certain source of income.
Procedures and required materials: 1. Submit loan application and guarantee letter of commitment.
2. The loan officer checks and summarizes the feasibility of the project.
3. Loan approval.
4. Inform the borrower to go through the loan formalities at the business counter.
Of course, there are many complicated details. As long as your project is feasible, the loan is basically not a problem. It mainly depends on your repayment ability and repayment consciousness. Don't think so complicated about credit cooperatives, and don't think that you can get loans only by giving gifts. At present, the internal control measures of credit cooperatives are very good, especially the requirements for credit work are very strict.
2. What guarantee does Jiangxi Rural Credit Cooperatives need for loans?
Hello, I'm glad that rural credit cooperatives in Jiangxi need a third-party guarantor to guarantee loans. Which means there's someone to vouch for you. This person's credit must be very good, or you can directly find a third-party guarantee company. Ask Jiangxi Rural Commercial Bank about flowing water. Generally, if the annual running water is about 2 million, you can borrow about 6.5438+million. If the annual flow is about 200,000 ~ 500,000, the general loan amount is about 20,000, 654.38+0 _
Third, the loan interest rate of Jiangxi Rural Credit Cooperatives in 2022
4.60%。 Official website, a rural credit cooperative, shows that the current interest rate for short-term loans with a term of one year or less is 4.60%, and the adjusted interest rate is 4.35%. The current interest rate over five years is 5. 15%, and the adjusted interest rate is 4.9%; For personal provident fund loans for five years or less, the current interest rate is 2.75%, the adjusted interest rate is 2.75%, the current interest rate for more than five years is 3.25%, and the adjusted interest rate is 3.25%.
4. How does Jiangxi Rural Commercial Bank apply for loan extension online?
Step 1: Renewed students download E-Baifu app and log in to the loan area/Baifu student loan function page.
② Enter the loan application information entry page, select the loan amount, loan term and loan reason, upload the borrower, the front and back of the borrower's ID card and the household registration book, and click the "Submit" button.
③ Enter the loan application confirmation page, including application information, borrower information and schooling information. After confirmation, click "Confirm" to submit the loan application.
Step 2: Check the progress of the loan application.
After the loan application is submitted, you can click to enter the application progress query page to view the loan application progress, and click "Query Details".
Step 3: information modification or change
Before the loan application is submitted or not approved, the user's data (personal data, school information and borrower information) can be modified or changed. (No need to modify or change, skip this step)
Step 4: View and upload the receipt.
After the loan application is approved, students studying in colleges and universities in the province can click "View Receipt" to view the loan confirmation letter and university receipt. Students studying in universities outside the province can download the loan confirmation letter and the receipt of the university themselves in the system, and upload the receipt of the university stamped by the university financial aid center to the system through the receipt upload function.
Step 5: Students sign the contract themselves.
After the loan application is approved, the user will be notified to enter the e-Baifu APP by SMS to sign the loan. On the page of Baifu Student Loan, click the "Loan Signing" button to enter the page of electronic loan contract of student loan. Please read the contract carefully. When finished, click "Next" to enter the loan signing page. After selecting loan lending and loan repayment accounts, click "OK" to enter the face recognition and authentication page. Please make sure my face is verified. After the face verification passed, the loan was signed successfully. Please inform me.
Step 6: Check the loan and repayment records.
The Borrower and * * * have signed this contract with the Borrower. After the system reviews and sends the loan issuance instruction, the borrower can check the balance of the loan issuance account to confirm whether the loan has been issued successfully.
Step 7: Graduation confirmation and information change.
Before graduation, students will be notified by SMS. Borrowing students should log in to EBF APP for graduation confirmation before August 3 1 of the graduation year. Borrowing students drop out of school due to illness, go to school, etc. You should go to the student financial assistance management department of the local education bureau to change your schooling information before August 30 of the graduation year [you must bring the admission notice (copy) and student ID card (copy)] to continue to enjoy the financial discount. When applying for graduation confirmation, the name, address and contact information of the work unit should be updated, and the graduation application can only be submitted once. ?