The loan conditions of rural credit cooperatives in different places are different, but the usual conditions are: 1, and the borrower is a person with full civil capacity; 2. The purpose of the loan is clear, and the amount, term and currency are reasonable; 3. The borrower's credit status is good and there is no significant bad credit record; 4. Have a stable economic income and the ability to repay the loan principal and interest on schedule; 5. Being able to provide effective guarantees and mortgage (pledge) guarantees recognized by rural credit cooperatives; 6. Other conditions required by the lender. According to Article 11 of the Interim Measures for Personal Loans, the application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

2. What are the conditions for Yunnan Rural Credit Cooperatives to apply for loans?

1, with the ability to repay the principal and interest on schedule. If the interest payable on the original loan is due, the repayment plan approved by the lender has been formulated;

2. Except for natural persons and legal persons who do not need to work, they shall go through the annual inspection procedures at the industrial and commercial departments;

3, rural general deposit account, and keep a certain amount of deposits in the account; Supervision and inspection can ensure regular financial and financial statements;

4. To apply for a guarantee or mortgage loan, there must be a pledge that meets the requirements. The loan guarantor must be a farmer and have a good economy and economic entity. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6, real estate and other project loans, the borrower's owner's equity, the proportion of self-raised funds must comply with the provisions of the State Council, at the same time, according to the requirements of project management, must submit complete, standardized and effective documents.

The accumulated amount of a company and a joint stock limited company shall not exceed 50% of its net assets;

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

3. What are the loan requirements and procedures of rural credit cooperatives?

Condition: 1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are reasonable;

4. The borrower has the willingness and ability to repay.

Process: 1, credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general.

2, approved the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit loan limit of the corresponding grade.

3. Issuance of loan certificate. Take households as the unit, and each household has one certificate.

4. Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books).

5. Loan issuance. After receiving the application for loans from farmers, the rural credit cooperatives sign a contract after being reviewed by the credit counter staff (or the doorman staff), fill in the loan receipt, and farmers can use the loans according to the regulations.

6. Repay on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

The investigation will be conducted before the loan. In the investigation of the production and operation of the general loan of the project, the borrower's income, expenditure, loan situation and the personal credit record of the borrower with civil capacity. In the past family situation, if he thinks you meet the conditions of credit loan for small farmers, then he will handle the loan for you.

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4. What conditions do rural credit cooperatives need for loans?

The loan of rural credit cooperatives refers to the behavior that natural persons or legal persons obtain funds from rural credit cooperatives in accordance with the prescribed conditions and procedures, and agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity. In rural areas, many farmers are blocked by many banks because of their unstable income. Therefore, many people turn their attention to more counterpart credit cooperatives. Then, how to handle the loan of rural credit cooperatives?

To apply for a loan from a rural credit cooperative, you need to meet some conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; 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 loan principal and interest 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 business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

Farmers who meet the above conditions can apply for loans with valid documents.