2. Basic conditions for applying for a borrower. A family can only apply for a Fuxiang convenience card in Hunan Rural Credit Cooperative.
Handling process: loan application → loan investigation → rating credit → business approval → contract signing → card issuance.
Functional features:
1. The procedure is simple: you only need to go through the loan procedure once, and you can reuse the credit fund of up to 500,000 yuan within 1-3 years.
2. Convenient use of funds: loans and repayments can be made at the counters of more than 4,000 outlets of Hunan Rural Credit Cooperatives anytime and anywhere, which can be borrowed and repaid, borrowed and repaid, and recycled.
3. Flexible guarantee: customers can provide combined guarantee by comprehensively using various guarantee methods such as credit, guarantee, mortgage and pledge to solve the problem of insufficient guarantee and meet their capital needs to the maximum extent.
4. Safe and reliable: In addition to the transaction password, you can also set the loan password separately, and enjoy the intimate reminder service of Fuxiang SMS, effectively ensuring the safety of funds.
5. Low cost: customers can accurately choose the amount of each loan according to the actual capital demand, and can repay part of the loan at any time when they have surplus funds at hand to minimize interest expenses; In addition, the credit card issuer's loan interest rate of the same grade for the same period will be implemented, and the debit card charging standard will be fully implemented for cash withdrawal, transfer and other transactions, with no additional fees.
6. Complete functions: In addition to the loan function, it has all functions such as cash deposit and withdrawal, transfer, POS consumption, online payment, collection and payment, self-service banking, online banking and telephone banking. It can be used on ATMs and POS machines with UnionPay logo in overseas 135 countries and regions.
7. Exclusive discount: You can enjoy exclusive discount through the assured purchase channel of agricultural products of UnionPay Agricultural Merchants Alliance.