Loans from rural credit cooperatives can be consulted in advance. At this time, the bank will inform the required information, and then the user will submit the loan application information. After submission, the bank will review it, and after approval, the bank will lend money. If the application is approved by the rural credit cooperatives, relevant materials can be supplemented at this time to continue to submit the application, and the rural credit cooperatives will approve it.
To apply for a loan in a rural credit cooperative, you must be 18 years old or above, have a valid personal identification, and also need to submit a loan application, work certificate, income certificate, credit report, etc. Different loan types require different information when lending, and general banks will have detailed instructions.
When handling a loan, the borrower must ensure that the personal credit information is good. If the borrower has bad credit information, the bank will directly refuse the loan. It should be noted that bad credit information cannot be changed. Generally, bad credit information will be stored for 5 years after processing, and will disappear automatically after 5 years.
After handling the loan, the borrower must repay the loan on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer it is delayed, the more penalty interest will be generated. Moreover, after overdue repayment, the bank will call for money, which will affect the normal life of individuals, and overdue repayment will lead to poor credit reporting.
Second, how do rural credit cooperatives handle loans?
China's rural credit cooperatives are different. The related processes of secured loans for farmers or individual industrial and commercial households in rural credit cooperatives of Hebei Province are introduced as follows for reference only: 1. The loan applicants are farmers and individual industrial and commercial households with fixed residence in rural areas, stable income sources and no bad credit records. 2. The loan has reasonable, legal and factual reasons or uses, such as production, operation and consumption. If it is used for production and operation, there must be some idle funds (generally above 30%). At the same time, production and business activities must have certain development prospects and profitability, that is, the first repayment source is sufficient. Third, provide effective guarantee as the second repayment source, that is, when the borrower is unable to repay the principal and interest of the loan, the lender (that is, the rural credit cooperative) can dispose of its collateral, pledge or ask the guarantor to bear the debt. There are three kinds of guarantees, namely: pledge, mortgage and guarantee. Pledge is provided by valuable documents such as bankbooks (bills) and bills; Mortgage is to provide mortgage with fixed assets such as real estate, machinery and equipment; Guarantee is a "joint and several liability" guarantee voluntarily provided by a third party. It should be noted that the collateral and pledge are not necessarily the borrower's own property, but also the property voluntarily provided by a third party; There may be one or more guarantors, but they cannot be immediate family members of the borrower. Fourth, the collateral provided must be easy to realize, such as the first house, rural residential houses are often not suitable for mortgage because of poor liquidity. To put it bluntly, if you dispose of it, no one will buy it. Even if someone does, you can't drive the residents out! 5. The guarantor has the same conditions as the borrower, that is, he has a fixed residence, a stable source of income and no bad credit record. Federation of Industry and Commerce Investment and Financing Online
Three, rural credit cooperatives mobile banking how to self-help loans?
First of all, we should open the mobile banking of rural credit cooperatives, log in to the mobile banking to find the loan application, and fill in the materials to apply.
Four, rural credit cooperatives how to loan 65438+ ten thousand?
Meet the following six points, you can borrow from the rural credit cooperatives100000.
1, age 18 years old, with legal residence certificate, fixed residence or fixed business place in the place where the loan is located;
2. The lender must have the ability to repay the principal and interest.
3. The lender's credit information must be good and there is no bad credit record;
4. The purpose of the loan shall comply with the relevant regulations of the bank;
5. The lender must have a settlement account of the rural credit cooperative;
6. There must be a guarantor in the lender's name that is indistinguishable from the loan value.
RuralCreditCooperatives (rural credit cooperatives in English, rural credit cooperatives in Chinese for short) refer to cooperatives established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide 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.
Their property and legitimate rights and interests 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. Adjust rural funds in accordance with state regulations, support agricultural production and comprehensive rural development, and support various forms of repression and crackdown.
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.