Information required for loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ) Remarks: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Age limit of the borrower: the age loan period for men is no more than 65 years old, and the age loan period for women is no more than 60 years old; 5. Customers blacklisted in the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. The general loan needs about 1 month (mainly in the real estate bureau, the real estate mortgage needs about 15 days). Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Open a personal current deposit account and sign a loan contract. 4. Apply for real estate mortgage registration; 5. Bank loans _

Good luck! (If you have any questions, please ask them. If you are satisfied, I hope to adopt them.)

Second, how about a loan of 65438+ 10,000 yuan from a rural credit cooperative?

The loans of rural credit cooperatives meet the characteristics and needs of farmers and provide support for farmers' economic activities such as agricultural production and commodity trading. Mainly personal loans, the amount is generally 20,000-30,000 yuan. It is suggested that borrowers who want to obtain high funds apply for joint loans, and usually get a quota of about 654.38+10,000 yuan. As for the interest rate, it fluctuates according to the borrower's credit and loan situation on the premise of taking the central bank's loan interest rate as the implementation standard. The loan term is 1 year, and the interest rate is about 4.35%. The loan term is 1-5 years, and the interest rate is about 4.75%. Interest rates are not fixed. If you want to know the specific interest rate, you have to ask the local credit union.

hypothesis

1. The borrower is a China citizen with full capacity for civil conduct, under 60 years of age, and has a rural hukou; 2. The borrower has always performed well in terms of credit status; 3. The borrower has good operating ability and repayment ability, and the projects used in the loan can bring profits with little risk of income; 4. Be able to produce a guarantee and a valid related guarantee; 5. Loans shall not be used for business activities that do not meet the requirements of national industrial and environmental policies.

Treatment process

First of all, the borrower needs to apply for a loan at the local credit cooperative with the required information such as identity certificate and guarantee information, and fill in the relevant application form. Rural credit cooperatives will confirm and review the information of the loan applicant and investigate him. If the borrower passes the examination and approval, the rural credit cooperatives will sign a contract with it and issue loans after signing the contract. After the loan is issued, the borrower will fulfill the repayment and interest payment obligations agreed in the contract.

Third, the loan conditions of rural credit cooperatives, how to apply for a loan of 654.38+ 10,000?

The loan of rural credit cooperatives refers to that natural persons or legal persons obtain loans from rural credit cooperatives in accordance with the prescribed conditions and procedures when they need funds. Both parties agree on the loan amount, term and interest rate, and repay the principal and interest at maturity. The credit threshold of rural credit cooperatives is low and easy to handle, but the following conditions must be met:

1. Must be a rural hukou, and the age is no more than 60 years old;

2. Good reputation and no overdue records;

3. If there is a fixed house in the area, you can provide proof of residence;

4. Have a certain repayment ability, and the crops planted or the income of the commercial industry will not encounter greater risks;

5. Other guarantees (guarantor, house/car and other collateral) recognized by the credit union can be provided;

6. Other conditions. Rural credit cooperatives will provide small loans to farmers, and loans will be issued in the form of credit. The loan amount is usually very low. The total amount is controlled between 50,000-10/0,000 yuan.

Rural credit cooperatives loans need the following steps:

The first step: farmers' credit rating. Mainly according to the basic situation of farmers, production and operation status, reputation, assets and liabilities and other indicators to evaluate.

Step 2: Check the credit line of farmers. Rural credit cooperatives shall, according to the evaluation results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit line of the corresponding level.

Step 3: Issue the loan certificate. As a family, a family can only have one certificate.

Step 4: Apply for a loan. When farmers apply for loans, they can apply for loans within the credit line with the loan card and valid ID card (or household registration book).

Step 5: issue loans. After receiving the application for loans from farmers, the rural credit cooperatives will sign a contract and fill in the loan form after being audited by the credit counter staff (or the counter staff at the outlets), and farmers can use the loans according to the regulations.

Step 6: Repay on schedule. The borrower shall repay the loan principal and interest according to the provisions of the loan contract.

Rural credit cooperatives have low threshold and appropriate loan amount, which provides great convenience to farmers.

How to get a good loan from Zhang Hu Rural Credit Cooperative in Xia County, Yuncheng?

cold wind