1. What documents do I need to bring for a couple’s loan from a rural credit cooperative?
Your own identity certificate, household register, marriage certificate, industrial and commercial statements, business status and other relevant certificates.
You also need to bring collateral or guarantee.
Rural credit cooperatives are 30,000 yuan. Currently, credit cooperatives provide small credit loans to farmers, with the maximum amount being 30,000 yuan.
A loan from a credit union requires the signature of both husband and wife, and the house is required as collateral before you can go to a credit union to sign.
Rural Credit Cooperatives (rural credit cooperatives, rural credit cooperatives) refer to rural cooperative financial institutions approved by the People's Bank of China to implement democratic management and mainly provide financial services to members.
Rural credit cooperatives are independent corporate legal persons. With all their capital, they enjoy civil rights in accordance with the law. Business activities carried out in accordance with the law collect idle rural funds and provide financial services for the development of agriculture, farmers and rural economy.
In accordance with national laws and financial policy provisions, organize and regulate rural funds to support agricultural production and comprehensive rural development, and support various forms, restrictions and crackdowns. Rural Credit Cooperatives are divided into the following departments, Rural Credit Cooperatives Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department, etc. It currently has both the China Banking Regulatory Commission and the State Council
II. Rural Credit Cooperative loans require the couple’s ID cards, marriage certificate, household register, etc...
Borrower’s guarantor’s ID card
Spouse’s ID card
Proof of family assets
Mortgage requires real estate transfer
Pledge requires guarantee
3. What documents are required for rural couple loans
Legal Subjective: In addition to meeting certain application conditions for a loan, you also need to prepare relevant materials. There are certain differences in the documents required for married and unmarried people to apply for a loan. The most obvious one is that if you are married, you need the documents of both husband and wife. ID card, household register, marriage certificate, etc. So, what documents are needed for a couple’s loan? Let’s find out more about it with the editor of the French Open. 1. What documents are needed for a couple's loan? The documents required for a couple's loan include identity certificates of both parties, household register, marriage certificate, industrial and commercial certificate, tax certificate, capital flow, business status and other relevant certificates, loan application, property, and consent Loan opinion letter and proof of the borrower’s stable residence. 2. What are the requirements for a couple’s loan? Generally speaking, a couple’s loan needs to meet the following basic conditions: 1. Both spouses are between 18 and 60 years old, and both have full capacity for civil conduct; 2. Both spouses have stable Job and income, and the ability to safely repay the principal and interest of the loan; 3. The personal credit status of both spouses is good, with no overdue and other bad records; 4. The purpose of the loan is reasonable and clear; 5. Meet other conditions stipulated by the lending institution. 3. Will the overdue loan of one spouse affect the loan? During the relationship between the couple, the bad credit record of one spouse due to overdue credit cards may still have a certain impact on the other spouse’s application for loans: 1. For example, if one spouse is At this time, even if the other lender's credit record is good, if his spouse has multiple overdue repayments, the bank will doubt the family's repayment ability and creditworthiness, and will be more cautious when lending, and even Is not lending money to this person. 2. For another example, if one of the spouses makes three consecutive overdue payments within two years, or six consecutive late payments, the credit will be lost not only to the borrower, but also to the spouse. Under normal circumstances, banks will lose credit. Loans will be refused. The above is the detailed introduction to you by the editor of Find Law Network about what documents are required for a couple’s loan. Hope it helps everyone. If you still have any legal questions, it is recommended to consult a professional lawyer at the French Open.
Legal objectivity: Article 1064 of the "People's Republic of China and Civil Code" shall bear liability if both parties sign the same signature or one of the spouses later ratifies the same intention, etc. Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.
4. If I want a loan, can I ask for a certificate from the village committee?
You need to prove that you are single. For example, you need a marriage certificate to get married, and a divorce certificate to get a divorce. It is troublesome for outsiders to get a local loan. You need to go to the village committee to issue a certificate, and you also need to go to the housing management bureau to check whether you have For the second house, this is a full mortgage loan procedure. The loan amount is between 100,000 and 500,000. The review is strict and takes a long time, and it takes longer to settle accounts between loan banks in January of the New Year. Rural credit cooperatives are not complicated and operate with a business license. It is relatively stable. Please submit *** tax list, financial statements, operating income statement, turnover, etc. Business license, tax registration certificate, organization code, if you have a relative from the work unit to sign, 100,000-200,000 will be issued in 7 days It’s coming soon. Commercial banks should be faster. This year’s interest mortgage with three years of interest and principal is about 100,000 yuan and 8,000 yuan a year.