How much do you need to borrow?

2. Credit card loans from rural commercial banks?

Hello! You don't need a guarantor to apply for a credit card in a rural commercial bank, as long as you have a work certificate, social security certificate, education certificate, tap water, etc. If it is handled, it will be more difficult without a guarantor. Banks usually have strict requirements for loans. However, if you can provide some valuable collateral,

3. Can a rural commercial bank apply for a loan if its credit card has not been paid off?

If the cardholder's personal credit report has no bad credit record, has good financial ability and the credit card debt has not been paid off, he can apply for a loan from the rural commercial bank. If the cardholder's personal credit report has a bad credit record and his financial ability is average, the rural commercial bank cannot apply for a loan without paying off the credit card debt.

The outstanding credit card debts of rural commercial banks have a certain impact on the application for loans, mainly affecting the loan amount. When there are bad records in the cardholder's personal credit report, no matter whether the cardholder's credit card debt has been paid off, the loan service provided by the rural commercial bank cannot be used.

Conditions for individual housing loans of rural commercial banks:

1. At least 18 years old, with full capacity for civil conduct.

2. Hold legal and valid identity documents.

Three, have a stable occupation and income, have the ability to repay the loan principal and interest in full and on time.

4. There is no bad credit record in the personal credit information system of the People's Bank of China.

5. Comply with other provisions of rural commercial banks.

Due to the different regulations of rural commercial banks in different places, users need to take the actual situation as the standard. When lending, rural commercial banks need to check the liabilities of users and judge whether to lend to users according to the liabilities. Credit arrears are liabilities. The debt situation will affect the user's loan amount, because the rural commercial bank will consider the user's repayment ability.

4. Will the credit card loan of the rural commercial bank be repaid at the end of the year?

It is recommended to repay on time, so as not to affect personal credit information.

What are the consequences of the loan money?

1. Be sure to negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for compulsory execution.

3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.

4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.