Loans from rural credit cooperatives can only be used for agricultural production, agricultural products processing and animal husbandry, also known as small loans for supporting agriculture. Generally, a higher loan of 65,438+0,000-50,000 yuan needs the approval of a higher-level credit cooperative.

Handling loan fees is also relatively simple. It is a real credit loan without mortgage, but the loan must be used for designated agricultural production or agricultural investment projects.

I recommend you to buy a house with a loan from ICBC. My whole family went to China Industrial and Commercial Bank. The loan interest rate is 5.5 1%. The following are their loan terms and methods:

First, the loan object

The object of individual housing loan should be a natural person with full civil capacity.

Second, the basic conditions of the loan

1. Have permanent residence or valid residence status in cities and towns;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

4. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

5. Other conditions stipulated by the bank.

Third, the loan amount.

The amount of personal housing loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of purchasing the house assessed by the real estate appraisal agency (whichever is lower).

Four. length of maturity

The longest is not more than 30 years.

The information that verbs (short for verb) need to provide.

When applying for a loan, you should fill in the Approval Form for Personal Housing Loan Application of Industrial and Commercial Bank of China and submit the following documents to our bank:

1. Identity documents (resident ID card, household registration book or other valid residence documents);

2. Proof of loan economic income or solvency issued by the bank's authorized department;

3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;

4. The down payment certificate issued by the developer;

5. List of mortgaged property or pledged property, certificate of ownership, certificate of consent to mortgage, pledge and mortgage valuation certificate of the dispossessor;

6. The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor;

7. Self-financing with savings deposits requires bank deposit certificates;

8. If the provident fund is used for self-financing, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits;

9. Other documents or materials required by the bank.

After receiving your loan application and required documents, our staff will investigate and verify according to the working procedures stipulated by the bank and give you an answer as soon as possible.

If you agree to your loan application, our staff will inform you to go through the formalities of insurance, notarization and mortgage registration at the designated time and place, and sign the loan contract and other legal documents with you.

2. What are the conditions for a loan of 50,000 yuan from a rural credit cooperative?

Expand 1. If you want to win in rural credit cooperatives, you can take the following ways:

The loan is only for natural persons with good reputation and strong repayment ability who want to live in the credit cooperative area for a long time and have full capacity for civil conduct in agricultural registered permanent residence. The general amount is relatively low. If you want to borrow 50,000 yuan, you will generally have higher requirements for personal income.

2. Guaranteed loans, as well as employee guaranteed loans. If you want to borrow 50,000 yuan, the qualifications of the borrower or loan guarantor are good.

However, the farmers' association should not only bear the debts in your own name, but also guarantee the other members of the UNPROFOR team, which is prone to problems. However, if it is a loan guaranteed by employees, it will be much simpler. You just need to find an employee with a stable job to vouch for you, and the loan will be easy. Qualified employees should be government employees. This kind of loan is faster than mortgage and pledge, and the additional cost is not high. As long as the loan officer can confirm the burden,

Third, mortgage or. Mortgage is to mortgage the property you have the right to dispose of to the credit union in your name, and you can get the loan value in proportion. For example, if your collateral is worth 500,000 yuan, credit cooperatives will generally agree to lend you no more than 250,000 yuan. Suppose you want to borrow about 50 thousand.

3. What's the annual interest on a loan of 50,000 yuan from a credit cooperative?

The annual interest on a loan of 50,000 yuan from a rural credit cooperative is 50,000× 0.05 = 2,500 yuan.

The conditions for applying for loans from rural credit cooperatives are as follows: 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; 5. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; 6 have a stable economic income and the ability to repay the principal and interest of the loan on schedule;

7. Opening an active deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives.

Four, rural credit cooperatives loan 50 thousand requirements

I borrowed money from your rural credit cooperative. The amount I want to borrow is 50 thousand yuan.