Personal loan conditions of rural banks: 1. He is at least 18 years old (including 18 years old), and the sum of his age and loan period when applying for a loan is not more than 60 years old (including 60 years old); 2. Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents; 3. According to the Measures for the Administration of Credit Rating of Rural Banks' Three Rural Customers, the credit rating results of customers are average or above; 4 should have a stable income and the ability to repay the loan principal and interest on schedule; 5 engaged in production and business activities, in line with national laws and regulations and industrial policies; 6. Good conduct and no overdue loans when applying for loans; 7. Other conditions stipulated by the lender. The term of the loan, in which the longest term of the self-operated loan cannot exceed 65,438+00 years, and the purpose of the loan needs to exceed 65,438+00 years, shall be reported to the People's Bank of China and the China Banking Regulatory Commission for the record. The longest discount period of bills shall not exceed 6 months, from the discount date to the maturity date of bills.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Derivative problem:
What are the conditions and procedures for unsecured bank loans?
Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral. You only need proof of identity, proof of income, proof of address and other materials (see the bank for specific proof materials) to apply for a loan from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed. The process of unsecured loan is: 1. Submit application materials; 2. Submit for approval; 3. Sign a loan contract.