1. What are the procedures and conditions for a loan of 1, yuan in a rural credit cooperative?

To apply for a loan of 1, yuan in a credit union, if you choose to apply for a credit loan, you need to go through the following procedures:

1. You need to prepare personal ID cards, bank cards, passbooks, running bills and other income certificates first, and go to the branch counter to find a staff member to apply;

2. Get the loan application form, fill it out, and then hand it over to the staff together with the information. After the staff arranges it, it will be handed over to the examination department for examination.

3. Audit status, liabilities, loan purpose, repayment, approval, and the credit of the inquired personal credit report shall be submitted to the superior for approval.

4. If it is finally approved, the credit union will send an information notice. After receiving the notice, it is necessary to sign the loan contract and related agreements at the outlets within the agreed time.

5. After signing the contract agreement, the credit cooperative will release the loan funds to its bank card. After receiving the funds, you can use them, and then just remember to pay them back on time according to the repayment plan agreed in the contract.

Before applying for a loan, you can go to: Small, if the credit is bad, wait for a while, and then apply when the credit risk score is not high and the stain is almost gone, and it will be easier to pass.

Extended information:

What are the requirements for a credit cooperative loan of 1, yuan?

The conditions of rural credit cooperatives in different regions will be different, and the basic conditions need to meet the following points:

1. The age is 18-65 years old (with high value preservation, it can be appropriately relaxed);

2. The domicile) has legal and stable economic income within the service area of the Rural Commercial Bank;

3. No significant bad credit record (in line with the accreditation standards of Rural Commercial Bank);

4. The purpose of applying for the loan is clear,

5. The self-owned funds shall not be less than the prescribed proportion;

6. Family members have no valid credit in Rural Commercial Bank (housing, car

7. They can provide guarantees recognized by Rural Commercial Bank.

8. Other conditions stipulated by the credit union.

II. What are the procedures and conditions for credit union loans? Individuals

The conditions for personal loans of credit unions are as follows: 1. In order to meet your short-term capital needs, you apply for loans from urban credit cooperatives with personal or other people's private property as collateral. The borrower must meet the following conditions: 1. Be a natural person with full civil capacity between the ages of 18 and 6. Provide valid identity documents and their copies. 2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule. 3. In addition to the mortgaged property, the mortgagor has another set (or more than one set) of property for the mortgagor to live in. 4, there are assets recognized by the urban credit cooperatives as collateral, or (and) there are legal persons, other economic organizations or natural persons recognized by the cooperatives and with sufficient compensation capacity as guarantors. 5, other conditions stipulated by the city credit cooperatives. Second, personal housing/commercial housing loans refer to RMB loans granted by urban credit cooperatives to eligible natural persons for purchasing their own houses and commercial houses (excluding second-hand houses). Personal housing/commercial housing loan targets are natural persons with full civil capacity between the ages of 18 and 6. The borrower's application conditions: 1. Local permanent residents with legal identification and full capacity for civil conduct. 2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule. 3. There are legal and valid housing sales contracts and agreements for the purchase of housing and other supporting documents recognized by the loan agency. 4. There are funds above 2% (inclusive) /4% (inclusive) of the total price of the purchased house as the down payment. 5. Having assets recognized by this agency as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this agency as guarantors. 6. Other conditions required by urban credit cooperatives. Article 11 of the General Principles of Loans: The loan term shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the longest term of self-operated loans shall not exceed 1 years, which shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, and the discount period shall be from the date of discount to the maturity date of the bill.

third, what conditions and procedures are needed for credit cooperatives to lend

I suggest that you directly consult the credit-related personnel of local credit cooperatives

fourth, can rural credit cooperatives lend in 223?

Being able to borrow

The conditions for rural credit cooperatives to borrow:

1. Being able 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 business legal persons that do not need to be approved and registered by the industrial and commercial departments, they should go through the annual inspection procedures by the industrial and commercial departments.

3. basic deposit account or general deposit account has been opened in rural credit cooperatives, and a certain amount of payment deposit has been reserved in this account; Voluntary acceptance of the supervision and inspection of the credit and settlement of the loan agency can ensure that the business plan and related business and financial statements are submitted to the loan agency on a regular basis.