You can go to the bank to get a mortgage.

Let's see what others say.

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.

3. Can local people go to the rural credit cooperatives for loans?

Locals are more likely to borrow money from residents with different accounts. Proof materials required for local residents' loans are relatively easy to examine, and contacts and guarantors are also easy to find. Interest rates are generally lower than foreign loans, and loans are relatively loose. You can apply for loans in small commercial banks such as credit cooperatives, and the loan approval is fast. First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding, and of course, they can also use real estate. Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required. Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently. If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it. Four. There are many conditions for granting loans, so it is best to consult the local credit cooperatives. If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status.

Fourth, the loan conditions of rural credit cooperatives, what conditions do you need for a loan of 654.38+ million?

What are the loan conditions of rural credit cooperatives, and what are the conditions for a loan of 654.38+10,000 yuan?

Generally speaking, the loan products of rural credit cooperatives can be divided into three forms, one is credit loan, the other is secured loan, and the other is mortgage loan or mortgage loan.

Unsecured/credit loan

Credit loans are mainly for farmers with good reputation, strong repayment ability and long-term residence in the jurisdiction of credit cooperatives. The general credit loan amount is relatively low, and the loan amount is less than 65438+ 10,000, with a maximum of 50,000.

Secured loan

Guaranteed loan is what we often call farmer's joint guarantee loan. Farmers who need loans spontaneously form groups to supervise each other, and the loan amount is generally within 654.38+10,000.

Mortgage loan/

Mortgage loan is to mortgage the credit union with the property that the borrower has the right to dispose of. Common collateral includes houses, land, forests and so on. The loan amount is allocated in proportion to the value of collateral, and the loan of 654.38+10,000 yuan is not a big problem.

The specific loan conditions are:

1. At least 18 years old, with full capacity for civil conduct, and a local resident.

2. Can provide valid proof of residence and have the ability to repay in full and on time.

3. Good credit record and willingness to repay.

4. The mortgaged house has clear property rights and can provide real estate license and land certificate. Someone agreed to mortgage this house. The mortgaged property has the value of resale and there is no water leakage.

5. The age of the mortgaged property shall not exceed 20 years, and the loan amount shall generally not exceed 70% of the value of the mortgaged property.

The loan process is as follows:

1. Before borrowing money, consult the credit union whether it meets the loan conditions, and if so, what loan materials need to be prepared.

2. After knowing the situation clearly, prepare the relevant loan information, and then apply for a loan at the credit union.

3. The staff began to examine and approve the materials after accepting the loan demand.

4. After approval, both parties sign a loan contract.

5. Go through the mortgage formalities.

6. After all formalities are completed, the rural credit cooperatives will issue loans and the borrowers will repay them on time.