Rural commercial banks can handle various types of loans. Users can consult the bank according to the types of loans handled by individuals and understand the conditions needed by the bank before applying for loans. The types of loans that can be handled in rural commercial banks are consumer loans, mortgage loans and car loans.

When handling a loan, the borrower generally needs to have full capacity for civil conduct, valid personal identification, work certificate, income certificate, loan application form, etc. , and good personal credit information; The above points are the basic conditions for handling personal loans.

After the borrower submits the information, the rural commercial bank will review it. Only after passing the examination, the bank will sign a formal loan contract with the borrower, and then the rural commercial bank will begin to prepare the loan. After the user gets the loan, he needs to repay it on time, and there should be no overdue in the repayment process.

No matter what kind of loan you apply for, users should measure their repayment ability in advance, and you can rest assured that you have good repayment ability. If the individual's repayment ability is insufficient, the loan should be cautious at this time to prevent the late repayment delay and affect the personal credit information.

What conditions do rural commercial banks need for loans?

The loan conditions of rural commercial banks are:

1. The lender is a natural person with full civil capacity between 18 and 60 years old.

2. The income is stable and there is a bank flow that lasts for more than 6 months.

3. Personal credit information is good and there is no overdue record.

4. Provide a contract to prove the purpose of the loan.

5. Have a certain amount of capital flow and be prepared for the down payment.

6. Provide effective protection.

What are the loan conditions of rural commercial banks?

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 to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business 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 the lender of rural credit cooperatives shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.

Second, the repayment method of the loan.

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

How do rural commercial banks lend?

Rural commercial bank loan process:

I. Loan application

The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for the loan;

3. Correct the original unreasonable loan;

4. List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant supporting documents that the guarantor agrees to guarantee intention;

5. Project proposal and feasibility report;

6. Other relevant materials deemed necessary by the lender.

Second, the borrower's credit rating evaluation

The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.

Third, the loan survey

After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.

Four. Lending approval

Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.

Verb (abbreviation of verb) sign a loan contract

1. All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.

2. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or its authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law.

Intransitive verb lending

The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

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Seven. Post-loan inspection

After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.

What should I prepare to apply for a loan from a rural commercial bank?

Information to be provided by the borrower

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Rural commercial bank loan process:

1, voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates;

2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations;

3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions;

4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.

Extended data:

According to the general principles of loans:

Article 7 Self-operated loans, entrusted loans and special loans:

Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender.

Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only charges the handling fee and does not bear the loan risk.

Specific loans refer to loans granted by wholly state-owned commercial banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.

Article 8 Short-term loans, medium-term loans and long-term loans:

Short-term loans refer to loans with a loan term of 1 year (inclusive).

Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).

Article 9 Credit loans, secured loans and bill discounting:

Credit loan refers to the loan issued by the borrower's credit.

Secured loans refer to secured loans, mortgage loans,

Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the borrower undertaking general guarantee liability or joint liability as promised.

Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).

, refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).

Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.

Article 10 Except for entrusted loans, when the lender issues loans, the borrower shall provide guarantees. The lender shall strictly examine the repayment ability of the guarantor, the ownership and value of the collateral, and the feasibility of realizing the collateral.

After the loan review and evaluation, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.