Houses in rural areas, with small property rights, generally cannot be mortgaged. If the local government has preferential policies, consult the credit union.
2. Rural Credit Cooperatives of Hebei Province? Is the loan (quick loan for benefiting farmers) of rural commercial banks formal?
The loan for benefiting farmers is not a lie. You can apply for loans to benefit farmers in local agricultural banks and rural commercial banks. These banks generally have loans to benefit farmers, with lower interest than commercial loans, but the application threshold is high and the conditions are harsh.
Three, rural credit cooperatives loans need what procedures?
Generally speaking, the lender is required to have a fixed residence in the area under the jurisdiction of the rural credit cooperatives. The lender must be the head of a rural household, and the lender has no bad credit record and good personal credit. The loans of the rural credit cooperatives are mainly used for the operation of sound agricultural fields such as agriculture, forestry, animal husbandry or fishery.
As long as the lender meets the above conditions, the rural credit cooperative where the loan is located must first submit an application form and provide relevant information. Secondly, as long as the credit institution of the credit union investigates you, if the bank thinks you meet the loan conditions, it will ask you to sign in person for confirmation. If you don't meet the loan conditions, the credit society will return your information.
Once you get the loan qualification, the credit union will report the lender information of the relevant departments for approval. After approval, the credit cooperative will sign a loan contract with you and go through the relevant formalities. After approval, the credit cooperative will sign a loan contract with the borrower and go through the relevant formalities. After that, the lender will just wait for the loan from the credit union.
What are the procedures for loans from rural credit cooperatives in Hebei Province?
Guarantor of mortgage, marriage certificate and real estate license!