1. I gave someone a loan in a rural credit cooperative. It has been several years and he has not repaid it. Could you please transfer it to...

I gave a loan to someone in a rural credit cooperative. I have not repaid it, so I have to ask him to repay it, otherwise it will be counted in the name of the lender. If the loan is overdue for a long time, it will seriously affect the credit record, and you will not be able to apply for loans and credit cards in the future.

2. Can rural credit cooperatives refinance loans when they expire?

Yes, if the loan has not been repaid clearly and you are unable to repay as scheduled due to personal reasons, you can apply for a loan extension. The conditions required for loan extension are as follows: 1. Whether the loan is extended is decided by the lender, but a guarantee is required. The mortgagor, mortgagor and pledger shall issue written proof of agreement. If there is an agreement, the agreement shall be implemented; 2. The loan extension shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan period; the extension of medium-term loans shall not exceed half of the original loan period; the extension of long-term loans shall not exceed 3 years; 3. The lender's application for extension must be true, and there must be no malicious non-repayment.

3. Can rural credit cooperatives refinance loans when they expire? Rural credit union loan?

The guarantor’s signature is required to confirm the loan re-lending when the rural credit cooperative loan expires. Because the contract has been changed, the original loan contract will be replaced by the new loan contract. Otherwise, the guarantor will not guarantee the re-lending. responsibility! The four conditions for rural credit cooperatives to refinance loans, that is, to borrow new and repay old ones, are that the borrower's repayment ability is not weakened, the guarantor's guarantee ability is not weakened, the collateral is of sufficient value, and the loan risk is controllable.

4. Can credit union loans be automatically re-loaned when they expire?

Dear, I am happy to answer this question for you. Rural Credit Cooperative loans can be refinanced when they expire. 1. If the loan has not been repaid clearly and you are unable to repay as scheduled due to personal reasons, you can apply for a loan extension. The following conditions must be met for loan extension processing: Whether the loan is extended is decided by the lender, but a guarantee is required. The mortgagor, mortgagor and pledger shall issue written proof of agreement. If there is an agreement, the agreement shall be implemented; the loan extension shall not be lower than the original loan conditions. 2. The extension of short-term loans shall not exceed the original loan period; the extension of medium-term loans shall not exceed half of the original loan period; the extension of long-term loans shall not exceed 3 years; the borrower's application for extension must be true, and there shall be no unintentional non-repayment. 3.

Extended information: Credit loans in rural credit cooperatives are only open to natural persons with good credit standing and the ability to repay, and who must live in the jurisdiction of the credit cooperative for a long time and have an agricultural registered permanent residence and full capacity for civil conduct. The general limit is Relatively low.

: Issues that need to be paid attention to when applying for a loan include: when applying for a loan for the first time, it is not advisable to apply for the highest loan amount. You can try to apply for part of it first; try to fill in the loan information as completely as possible, and do not include false information; the contact number must be Please fill it out carefully, because the lending institution may call the contact person's phone number for review; during the loan application, keep the phone open, etc.

There are many issues that need to be paid attention to when applying for a loan. Basically, as long as you fill in complete personal information and meet the loan conditions, the chance of passing the loan review is relatively high.