Requirements for rural commercial bank loans:

1. Applicants must be between 18 and 65 years old.

2. Personal credit is good, there is no bad credit record, and the loan is used legally;

3. Have a stable job, and the actual income can repay the loan principal and interest on time;

4. The sum of the loan application period and the actual age shall not exceed 70 years old;

5. Meet other conditions stipulated by rural commercial banks.

Some special types of loans have other conditions, such as the need to provide a guarantor for secured loans and collateral for mortgage loans.

Bank loan refers to an economic behavior that the bank pays the borrower at a certain interest rate according to the national policy and returns it within the agreed time limit. Generally speaking, you can apply only if you have a good income certificate and personal credit information.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

Second, what conditions do rural commercial banks need for loans?

Loan requirements for rural commercial banks: 1, the applicant must be between 18 and 65 years old, and have full capacity for civil conduct; 2. Personal credit is good, there is no bad credit record, and the loan is used legally; 3. Have a stable job, and the actual income can repay the loan principal and interest on time; 4. The sum of the loan application period and the actual age shall not exceed 70 years old; 5. Meet other conditions stipulated by rural commercial banks. Some special types of loans have other conditions, such as the need to provide a guarantor for secured loans and collateral for mortgage loans. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

Three, rural credit cooperatives loan applicants need to meet what conditions?

Micro-credit loans for farmers refer to loans that rural credit cooperatives provide to farmers without mortgage or guarantee within the approved quota and period based on the reputation of farmers. At present, the loan amount generally does not exceed 50,000 yuan. This business has been widely welcomed by farmers since it was fully promoted in the whole country in 2002. To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination. It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.