Reliable.

Credit loans of rural credit cooperatives are only for natural persons with good reputation and strong repayment ability who want to live in the jurisdiction of credit cooperatives for a long time and have full civil capacity in agricultural registered permanent residence. The general amount is relatively low. If you want to borrow 50,000 yuan, you will generally have higher income requirements.

How to handle it: first prepare your own and your spouse's ID card and household registration book, and then go to the credit union to find a loan officer to apply for a loan. The loan officer will conduct a pre-loan investigation, which generally includes the borrower's production and operation projects, whether the borrower is a permanent resident in the region, the borrower's capacity for civil conduct, income, expenditure, loan purpose, loan amount, previous credit records, family situation, etc. If he thinks you meet the requirements of small farmers' credit loan, then he will handle the loan for you.

Second, what is the mortgage process of rural credit cooperatives' real estate licenses?

In order to meet the capital demand, most people will choose to apply for mortgage loans from financial institutions such as banks. What is the mortgage process of rural credit cooperatives' real estate license?

1. The borrower applies for the form to the rural credit cooperative and submits the real estate license and land certificate (if any);

2, by the local housing management department or rural credit cooperatives designated assessment agencies to conduct real estate appraisal;

3. After the real estate appraisal, the borrower shall go through the mortgage registration formalities with the appraised property right certificate, identity certificate, marriage certificate, loan use certificate and other related materials;

4. The borrower opens a settlement account in the rural credit cooperatives and waits for the rural credit cooperatives to issue loans;

5. The borrower repays the loan in full and on time, and the loan can be cancelled after settlement.

The general process of real estate license mortgage loan of rural credit cooperatives is like this. Rural credit cooperatives in different regions may have different procedures for handling mortgage loans. Please refer to the actual situation.

3. What loans does the credit union have?

1. What are the loan types of credit cooperatives? 1. Credit loan, also called credit loan, is a very common loan type. Generally, this kind of loan is mainly for people with good reputation and strong repayment ability. For natural persons who need to live in rural areas within the jurisdiction of credit cooperatives for a long time, the loan amount is generally low. 2. Guaranteed loans: There are generally two types, namely, farmers' guaranteed loans and workers' guaranteed loans, which are risky for farmers. For loans, we should not only bear the loans borrowed by ourselves, but also bear the debt guarantees of other joint guarantee members. Generally speaking, it is relatively simple for employees to jointly guarantee loans. Generally, you only need to find a worker with a stable job and a stable income to guarantee you, and you can usually get a loan. For workers and employees, the general requirement is institutions. Compared with other loans, such loans are more convenient and quick, as long as you are sure that workers and employees are willing to guarantee for you. 3. Mortgage loan or: mortgage loan is to take the property that you have the right to dispose of in your name and mortgage it in the credit union to get the loan. The loan amount is allocated in proportion to the value of the collateral. For example, your collateral is worth 500,000 yuan, and the loan given to you by the credit union can't exceed 250,000 yuan in general, and the procedures are relatively complicated and the extra cost is high. It is the way to take your own or borrowed passbook or share capital to the credit union as collateral. The advantage of this kind of loan is that the interest rate is generally low, and the loan officer will not do too much pre-loan investigation, but if he can borrow a passbook, he should also be able to borrow money. Second, what is the object of credit cooperative loans? The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives. However, because the nature, status and role of credit cooperatives are different from those of national specialized banks, they have their own characteristics in the specific operation of loans: the loan targets of credit cooperatives in a broad sense involve all kinds of ownership and various fields in rural areas, including: (1) contracted business households, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, sideline production and fishery. (2) township (town) offices, village offices, organization offices, household registration offices and various forms of joint ventures or new economic complexes that have been approved by relevant departments to implement independent accounting. (three) there are rural cultural, educational, health and scientific research institutions that guarantee operating income and repayment. Three. Credit cooperative loan conditions: (1) The enterprise legal person license or business license is valid; (2) Opening a basic account or general account in a credit cooperative; (3) The enterprise holds a loan card issued by the People's Bank of China; (four) subject to the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time; (5) Having fixed business premises and facilities; (six) the financial management system is sound and the enterprise management is standardized. Legal Basis "Interim Measures for the Administration of Personal Loans" Article 10 The China Banking Regulatory Commission shall supervise and administer the personal loan business in accordance with these Measures. Article 11 An individual loan application shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

4. What are the loan methods of credit cooperatives?

Mortgage!