Agricultural e-loan is a loan issued by rural credit cooperatives. On the premise of establishing the borrower's credit file, the customer information collection system uses data analysis and internet technology to rate, rate and pre-credit borrowers and issue personal loans to eligible borrowers. Customers can apply for loans by themselves through mobile phones, and use and repay loans at any time according to the funds within the approved credit line. In principle, the credit line of agricultural loans shall not exceed 500,000 yuan, and the borrower shall be over 18 years old in principle and have full capacity for civil conduct; Good credit status, no major bad credit records; Other conditions stipulated by the bank. Users can choose different time periods when borrowing money to ensure timely repayment. After handling the loan, the user must repay the loan on time.

1. cannot be overdue, because there will be interest default after it expires. The longer the time, the more interest is in arrears. In addition, overdue records will be uploaded to the credit information center, resulting in imperfect personal credit information. The arrears will be retained for 5 years after repayment, and will disappear automatically after 5 years. If these loans are not repaid, the bank will collect them. 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, implement democratic management and mainly provide financial services for members. Its main task is to raise idle funds in rural areas and provide financial services for "agriculture, countryside and farmers" and rural economic development.

2. General loan companies only charge a deposit before lending money, because they want to give you a bank to run away; The handling fee will only be charged after the loan is completed. When he comes, he will charge you a service fee. Most of them are liars, so pay attention to this. Borrowers with fixed business premises need to know whether the loan company they choose has a fixed business premises when looking for a mortgage loan from a loan company, because fraudulent companies only have simple loan websites and simple contact information. Do you have a business license? As we all know, regular mortgage companies will be registered in the local industrial and commercial departments. Then the borrower can log on to the website of the local industrial and commercial department to check whether the loan company has been registered. The borrower had better go to the loan company in person. Loan products Any loan product must strictly stipulate the loan object, loan amount, interest rate and loan process. If the loan product has no strict regulations on the loan target, the loan interest rate is too low or too high (the annual interest rate is above 36%), and the loan process is unclear, it is suspected to be an "informal loan".

3. The business of credit practitioners, whether it is a bank institution or a non-bank lending institution, has strict regulations on the daily behavior of its employees. In particular, employees are not allowed to package qualifications and ask for bribes for customers. If the staff of the lending institution asks you to pay the packing fee on the grounds of insufficient qualification, you should think twice, because this will not only increase your financing cost, but also increase your risk of being "defrauded by the customs".