The loans of rural credit cooperatives are mainly divided into micro-credit loans, farmers' joint guarantee loans, mortgage and guarantee loans. If it is a rural hukou, you can apply for a small credit loan or organize local farmers to form a joint insurance team to apply for a loan. You can also mortgage houses, forest photos and so on. Or ask civil servants and other relatives and friends with fixed income to guarantee for you. If you are a non-rural hukou, you can only take the form of mortgage guarantee.

It is best to follow the regulations of local credit cooperatives in procedure. Generally speaking, microfinance is different from farmers' joint guarantee in different regions. After the mortgage needs assessment, you can insure the loan in the credit cooperative. The guarantee needs to show the basic information of the guarantor and the proof that the unit agrees to the guarantee and salary income.

I want to borrow 30,000 yuan from rural credit cooperatives. How do I apply for a loan?

Loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Extended information According to the regulations, "laid-off workers under 60 years old, healthy, honest and trustworthy, with certain labor skills, who are engaged in self-employment, self-employment or cooperative employment with organizations, can apply for small-sum secured loans to commercial banks or their branches with re-employment concession cards issued by labor and social security departments, and entrepreneurs can hire laid-off workers.

After consultation, you can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.