That's right. Credit union collection has a time period. Love is dead, and there will be no more. Paying back the money quickly is the last word, otherwise you will have to bear the legal fees and other expenses.

Second, what is the significance of credit cooperatives lending _ what are the conditions _ lending process

What does credit union loan mean?

Many people can refinance by borrowing money, so what does refinancing mean? Everyone knows that real estate transactions can be lent, that is, if the mortgage user wants to sell his house, but the loan has not been paid off, the buyer and the seller need to go to the bank to handle the lending business and transfer the loan under the original lender's name to the buyer's name.

Then the credit union's lending is similar. Credit cooperative lending is generally a loan service in which borrowing enterprises or individual borrowers go to the bank to re-apply for borrowing new and returning old or borrowing new and returning old. The borrower borrows money to restore the loan first, then borrows money through the credit union, and then repays the loan. The borrower is repaying the new loan on schedule.

What conditions do credit cooperatives need to lend?

The lending business of credit cooperatives can not be handled at any time, but there are certain conditions. First, if it is necessary to handle the lending business of credit cooperatives, the repayment ability of borrowers shall not be weakened, and second, the guarantee ability of guarantors shall not be weakened. Only when the collateral is sufficient and the loan risk can be controlled can the credit cooperatives transfer loans.

When handling the loan lending of credit cooperatives, the guarantor, mortgagor and pledgor need to issue a written consent certificate, and the application for lending is true and harmless.

When making a loan, we must pay attention to it, and it must be approved by both the borrower and the loan bank. Lending often involves the crime of "lending at high interest rate", and the main body of lending must be a financial institution, otherwise it may constitute a crime. Therefore, borrowers must pay attention to the loan, and don't listen to the rhetoric of external financial institutions at will.

Credit cooperative loan process

When many users want to transfer loans, they don't know much about the lending process of credit cooperative loans. In fact, the lending of credit union loans is very simple. As long as the loan conditions are met and both parties agree voluntarily, they can go through the formalities at the local outlets with their valid identity documents. After arriving at the outlet, you can show your intention to the staff and obey their instructions.

3. Can rural credit cooperatives still borrow when the loan expires? Rural credit cooperative loan?

When the loan of rural credit cooperatives expires, the guarantor needs to sign for confirmation. Because the contract has changed, the original loan contract will be replaced by the new loan contract, otherwise the guarantor will not assume the guarantee responsibility for the loan! The four conditions for rural credit cooperatives to refinance are that the borrower's repayment ability is not weakened, the guarantor's guarantee ability is not weakened, the collateral is sufficient, and the loan risk is controllable.

Four, what are the four conditions of rural credit cooperatives loans?

There are no four conditions, as long as you borrow money from a credit union, you can lend it out. If you want to change the mortgage or guarantor, you only need to change the property or person, which is not lower than the borrower's or person's guarantee ability.