Half a year is a bit long. At this time, I suggest you go to the credit union to ask. Generally speaking, the loan period is two months to six months. If it takes more than half a year, it is very likely that the loan will fail or the bank will have no money.

2. I applied for a loan in a rural credit cooperative for more than one month. What happened when the money didn't arrive?

If your qualifications permit, your ID card, household registration book or marriage certificate, income certificate, property certificate, co-owner commitment letter, credit report of China People's Bank Credit Information System, if it is mortgage, your mortgage report, if it is guarantee, your own procedures.

Three, rural credit cooperatives credit card overdue for half a year?

The credit card of rural credit cooperatives has been overdue for half a year. If repayment is conditional, for example, if you have a fixed job and have a part of your income every month besides your normal life, you can negotiate with the customer service of the rural credit cooperative to divide the credit card into long-term installments and then repay it without interest.

If your income is not enough to meet the requirements of installment repayment, then you can only wait until you have money, or when your income has improved.

4. Shaanxi Credit Cooperatives applied for a loan, but did not get the money, and the bank urged repayment. What should I do?

You borrowed money, but you didn't get it. The bank really urged you to pay it back. That should be a bank loan, suing the loan platform.

loan

At the beginning of the company's establishment, it can be said that it was in high spirits, but in fact it fell into the predicament of further development. Let's talk about whether the company is a legitimate company or not, and the issue of small loan clearance. I hope I can help you.

1. Is the company legal?

The company is an independent legal person approved by the competent department of the provincial government and has obtained a business license in the industrial and commercial department. It does not need a license to operate financial business, so it does not belong to a financial institution. However, the company manages money and issues loans, but it is fulfilling the functions of financial institutions, which makes the company appear to be an identity department and causes the following shortcomings:

1, the deposit in the bank is only implemented according to the deposit interest rate of ordinary industrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises. No.

2. When financing from banking financial institutions, you can't enjoy the preferential interest rate of interbank borrowing, and you can only implement it according to the general enterprise loan interest rate, which is high in financing cost.

3. Because the company is not a financial institution, it is not conducive to the maintenance of its financial claims.

4. Because the company does not belong to the preferential tax policies of financial institutions and cannot enjoy various financial subsidies, it has to pay taxes and fees according to the general enterprises, resulting in a heavier corporate tax burden. According to the survey, at present, companies generally have to pay 5.56% of the business, 1.5% of the price control fund, and 0. 15‰.

2. Does the company have government supervision?

According to the relevant provisions of the Guiding Opinions, the company is not a banking financial institution, and the provincial government has clearly defined a competent department to supervise and manage the company.

1. In the provincial government, there is generally a financial office to supervise, and at the city and county levels, the financial work leading group is responsible for supervision. Due to the non-permanent institutions sponsored by the financial government, the People's Bank of China, the banking supervision department, the industrial and commercial department, the financial department, the tax department, the audit department and other departments, the problem of "multi-head supervision" has been caused.

2. The situation is that, due to the supervision of the People's Bank of China and the banking supervision department, the company's attitude is not positive when the above two departments monitor and count the company's interest rate, loan investment and capital flow, and the data provided are often inaccurate and the information submitted is not timely.

If you meet a nobody, you can go to the local financial office or the local.

You can complain to the company if you meet the following conditions:

1. Illegal fund-raising in the name of the company;

2. Illegal absorption or disguised absorption of public deposits in the name of the company;

3. Employees of the company use illegal means to collect debts or instruct others to collect debts illegally;

4. The actual interest rate of loans issued by the company exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China;

5. The company evades registered capital or evades registered capital in disguised form in the form of loans;

6. The company has off-balance sheet business activities;

7. The company issues loans to industries explicitly prohibited by shareholders and industry authorities;

8. The company has illegal business practices such as engaging in external guarantee business, cross-regional business, exceeding business scope, and issuing excessive large loans;

9. Other acts prohibited by laws, regulations and competent departments.

Extended data:

If you encounter the following problems when applying for online loan, you can complain to the loan company:

1. Improper collection: violent collection, address book explosion, door-to-door beating, insult, etc.

2. Unusually high interest rates: conventional loans,

3. Invasion of personal privacy: spreading personal phone numbers or personal information, causing personal reputation damage.

4. Repeated credit granting: no risk control and free lending.

5. Deduct interest and insurance premium when lending.

6. How much did you transfer directly after the money arrived?

7. High penalty interest