Generally, the mortgage loan takes about 40 working days. Loan conditions: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; : 1. RuralCreditCooperatives (rural credit cooperatives in English, rural credit cooperatives in Chinese for short) refers to the rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members with shares, implement democratic management and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council. 2. Relationship between rural credit cooperatives and sub-branches: The relationship between county credit cooperatives and individual credit cooperatives is equivalent to that between the head office and sub-branches. There is a county association in a county. At the beginning, the county association was managed by the Agricultural Bank of China; 1996 and returned to the people's bank; After 1999, the People's Bank of China gradually established prefectural (city) associations, and county associations were under the jurisdiction of prefectural (city) associations; After 2003, the People's Bank of China withdrew, canceled the local (city) union, and handed over the management right of rural credit cooperatives to the provincial government, which established the provincial union, which was in charge of the county union. So far, from the economic and legal point of view, each county association is equivalent to an independent bank (enterprise), the actual owner is the provincial government, and the county associations in the province form the provincial association, so the provincial association is actually the "son" of the county association; Administratively, each county association is the administrative department in charge of credit cooperatives, and the provincial association is the highest administrative department, so the provincial association is the "Lao Zi" of the county association. Because of its high administrative status, the provincial association has become the actual manager of the county association economically.

Second, the rural credit cooperatives real estate mortgage loans

Well, the work of the credit union is not in place. You can go to the credit union to get back the mortgage fee (80 yuan) and ask him to cancel your mortgage right away. If there is, you can not come to work. What happened? As the saying goes, the devil is hard to see. Are you not doing well? If I can mortgage you, I should be able to get a loan, or what you did is not good?

Three, rural credit cooperatives real estate mortgage loans generally how long does it take?

Generally, the mortgage status is about 40 working days; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; The newly purchased house must have a legal and valid purchase contract or have paid a down payment of not less than 30% of the total price of the purchased house. The original house mortgage loan has repaid 60% of the house value for one year, and the house used as mortgage has obtained the house ownership certificate, and the age of the house is within 10 year; Yes; Other provisions of the lending bank.