In rural credit cooperatives, loans are given to others, and others have not paid them back. Otherwise, it is in the name of the lender. Long-term overdue loans will seriously affect the credit history, and it is impossible to apply for loans and credit cards in the future.

Second, can rural credit cooperatives still lend when their loans expire?

Yes, if the loan is not clear, you can apply for loan extension for personal reasons. The conditions for loan extension are as follows: 1. Whether the extension is decided by the lender, but the guarantor, mortgagor and pledger need to issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement; 2. The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years; 3. The lender's application for extension needs to be true, and there can be no malicious non-repayment.

3. Can rural credit cooperatives still borrow when the loan expires? Rural credit cooperative loan?

When the loan of rural credit cooperatives expires, the guarantor needs to sign for confirmation. Because the contract has changed, the original loan contract will be replaced by the new loan contract, otherwise the guarantor will not assume the guarantee responsibility for the loan! The four conditions for rural credit cooperatives to refinance are that the borrower's repayment ability is not weakened, the guarantor's guarantee ability is not weakened, the collateral is sufficient, and the loan risk is controllable.

4. Can credit cooperatives automatically transfer loans when they are due?

Honey, I'm glad to answer this question for you. Loans from rural credit cooperatives can be transferred to 1. If the loan is not paid off, you can apply for loan extension, and the conditions to be met for loan extension are as follows: whether to extend the loan is decided by the lender, but the guarantor, mortgagor and pledger need to issue written consent certificates, and if there is an agreement, it shall be implemented according to the agreement; The loan extension period shall not be lower than the original loan conditions. 2. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The extension period of long-term loans shall not exceed 3 years; The lender's application for extension needs to be true, and there can be no intention of not repaying the loan. 3. Extended information:

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.

The problems that should be paid attention to in loan are as follows: it is not appropriate to apply for the maximum loan amount for the first time, but you can try to apply for part of it first; Fill in the loan information as completely as possible without false information; The phone number of the contact person must be carefully filled in, because the lending institution may call the phone number of the contact person for review; Keep your mobile phone open when applying for a loan.

There are many problems that need to be paid attention to in lending. Basically, as long as you fill in the complete personal information and meet the loan conditions, the probability of passing the loan review is relatively high.