You can borrow money. You can go to the credit union for details. The account manager will give you detailed answers to all the questions.

Second, the rural credit cooperatives loan period limit

To apply for a loan in a rural credit cooperative, the age limit must be at least 18 years old, and the customer must be a natural person with full civil capacity. 1. The maximum age is not clearly defined, generally not more than 60 years old, not more than 65 years old in some areas, and not more than 70 years old in a few (the regulations vary from place to place, so please consult the staff of the local rural credit cooperatives for details). 2. Of course, the loan is not only required in terms of age, so it does not mean that the customer's age is up to standard. Rural credit cooperatives will also put forward requirements for customers' economic and financial level, repayment ability and personal credit. For example, if a customer wants to make a smooth loan, he must have a stable and legal source of economic income and the ability to repay the principal and interest of the loan on time; And personal credit is good, and there is no bad credit record in the credit report. Brief introduction of rural credit cooperatives: 1. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' 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. 2. 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. Under the dual leadership of CBRC and the State Council.

Three. 202 1 age limit for loans of rural credit cooperatives?

18 to 60 years old. . .

Fourth, the loan period of rural credit cooperatives?

Generally, you can't get a loan if you are over 60.

To apply for a loan in a rural credit cooperative, the age limit must be at least 18 years old, and the customer must be a natural person with full civil capacity.

The maximum age is not clearly defined, generally not more than 60 years old, and not more than 65 years old in some areas (the regulations of rural credit cooperatives vary from place to place, so it is recommended to consult the staff of local rural credit cooperatives).

Of course, the requirement for loans is not only based on age, but also does not mean that the economic and financial level, repayment ability and personal requirements of loans can be met. For example, if a customer wants to successfully apply for a loan, he must have a stable and legal source of economic income and the ability to repay the principal and interest of the loan on time; And personal credit is good, and there is no problem with the credit report.

What should rural credit cooperatives pay attention to when lending?

1. Down payment.

When individual commercial housing loans are repaid in installments, interest is generally calculated on schedule. In the current loan period, the borrower is generally not required to repay the loan, but to repay the amount payable in the next interest settlement period. The average individual residence days are added to the next interest settlement period as the first loan.

2. The principle of early repayment.

Early repayment refers to the behavior that the borrower proposes to repay part or all of the loan in advance to the loan bank when he has certain repayment ability, and some banks may accept it.

If the loan term is within 1 year (including 1 year), the repayment method of principal and interest shall be implemented in one lump sum. With the consent of the lending bank, the borrower may settle all the loans in advance and bear interest during the international service period, but may not repay part of the principal in advance.

If the loan term is more than 1 year, during the loan period, the borrower may repay part or all of the loan principal and interest in advance with the consent of the loan bank after submitting a written application for prepayment to the loan bank.

3. Provisions on repayment methods.

If the loan term is within 65,438+0 years (including 65,438+0 years) and the loan is repaid in one lump sum for more than 65,438+0 years, the loan principal and interest can be repaid by equal principal and interest, average capital or progressive repayment.