How do rural credit cooperatives borrow money? What are the steps?
Rural credit cooperatives are places where many farmers will apply for deposit and loan business. If you want to apply for loans in rural credit cooperatives, the specific operation steps are as follows:
Step 1: First, apply to the rural credit cooperatives.
Step 2: After applying, you should submit the information needed for the loan to the rural credit cooperatives. Generally, it is necessary to prepare the original and photocopy of the valid ID card of the applicant and his spouse, as well as his personal credit inquiry authorization, and also prepare the opinions of the main members of the applicant's family who agree to borrow money. If it is a farmer rated by a rural credit cooperative, it is necessary to provide rating certificates and credit information.
Step 3: After submitting the relevant information, you need to fill in the loan application form under the guidance of the account manager of the rural credit cooperative.
Step 4: Investigate before accepting the loan according to the date agreed by the rural credit cooperatives.
Step 5: After the investigation, the applicant only needs to wait for the investigation results of the rural credit cooperatives.
Step 6: If the rural credit cooperative approves your loan application, you need to go to the rural credit cooperative and sign the Farmers' Credit Loan Contract in person.
Step 7: After the face-to-face signing, you can use the face-to-face signing loan receipt to withdraw cash.
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.