2 Credit loan line Personal loans are not allowed to exceed 654.38+00,000, and the applied loan line cannot exceed 654.38+00% of the borrower's family net assets.
If there is a guarantor to apply for a secured loan, the maximum amount that can be applied for is no more than 6,543,800 yuan+0.5 million yuan.
Generally speaking, the amount of personal loans that rural commercial banks can apply for depends on the applicant's application type. Different applicants can apply for different loan amounts. The better the personal credit information, the higher the loan amount that users can apply for. It should be noted that after the lender accepts the borrower's application, the bank will investigate the borrower's credit rating and the legality, safety and profitability of the loan.
Loan conditions of rural commercial banks:
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;
2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;
3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;
4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
5. The asset-liability ratio of rural borrowers shall not be higher than 70%.
mechanical feature
1, farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed and operated by the personnel designated by the members on the basis of democratic election and is responsible to the members. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.
2. The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.
3. Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crack down on usury according to the provisions of national laws and financial policies.