You can check the progress of your credit card application. You can check the progress of credit card application through the following channels: Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Progress Query" to check the progress of credit card application.

Probably not yet. There are many reasons for the slow loan. Maybe your personal information is incomplete and needs to be supplemented. It may be that when your village submitted the formalities in a unified way, some people's procedures have not been submitted to the bank; It may be under approval. Wait a minute. I suggest you go to the bank for consultation.

Inquire about personal credit report: If you have no loan record and are worried that your identity will be loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the "personal credit report", which will display the loan situation in your name on the national network. Of course, this report is lagging behind, about a month.

You can try to log on to the website of the Credit Information Center of the People's Bank of China to inquire about the credit information report, which will have the card handling situation; If you have a savings card and a professional version of China Merchants Bank, you can also check the personal credit report through some counters and professional versions of China Merchants Bank (no charge for the time being).

You can check the loan progress in the following three ways: if you have a card, you can check it at ATM. If you don't have a card, you can call the rural credit cooperatives to inquire. The card details of rural credit cooperatives can't be inquired at ATM, so I need to bring my card and ID card to the counter of rural credit cooperatives to inquire.

Detailed introduction of loan conditions of rural credit cooperatives

1. The condition for applying for a loan from a rural credit cooperative is the ability to repay the principal and interest on schedule.

2. The borrower's application conditions are: local permanent residents with legal identification and full capacity for civil conduct. (2) having stable economic income, good credit and the ability to repay the principal and interest of the loan on schedule. (3) There are legal and effective housing sales contracts, purchase agreements and other supporting documents recognized by the lending institution.

3. Loan procedures of rural credit cooperatives: local permanent residents with legal identification and full capacity for civil conduct; Have a stable economic income, good credit, and the ability to repay the loan principal and interest on schedule; There are legal and effective housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions.

4. The account manager will submit the investigation report to the loan approval team. Meet the loan conditions, do not meet the loan conditions, short-term loans generally reply within 7 working days, long-term loans 1 month. Beyond the examination and approval authority of the credit cooperatives, it shall be submitted to the examination and approval department at the next higher level, and the time shall be extended, generally 5 working days.

5. Loan conditions: it has the ability to repay the principal and interest on schedule and a stable source of income. Have a stable address and work or can be used as collateral for loans such as shops and cars, and have a legal loan guarantor. Without a bad credit record, loans cannot be used for stock trading, loan repayment, multi-head loans and other behaviors.

6. Age 18, the borrower must have full capacity for civil conduct, and the borrower's age and loan period shall not exceed 60 years. At the same time, he must be able to repay the loan, provide legal and stable income and increase the possibility of bank mortgage.

Can the Jin Yan E-loan line of Henan Rural Credit Cooperative be divided into two contracts?

Can not be recycled, you need to repay the loan before applying for a loan. You can prepare the information in advance and apply for a new loan immediately after you repay the loan. The maximum loan principal can reach 300,000 yuan, and the longest loan period can reach 12 months. The loan interest rate needs to be determined after reviewing the applicant's qualifications. Loan process: credit rating.

Jin Yan E-loan only needs one credit, and the credit line can be used circularly. If the borrower wants to apply for Jin Yan e-loan, he can apply according to the following process: download the mobile banking of Henan Rural Credit Cooperative on his mobile phone, and then log in to his account.

Of course. After the e-loan of Jinnong Credit Cooperative is returned, you can apply again, and the number of times is not limited. The key depends on the borrower's credit status. As long as the principal and interest are repaid on time, there are no non-performing loans, the credit line can be recycled, and customers can borrow money online at any time through mobile banking.

The amount of Jin Yan E-loan is recovered in real time after repayment, and users can continue to use the current amount. However, when the user uses the electronic loan line in Jin Yan again, the system will re-evaluate the applicant. If the applicant meets the conditions of E-loan in Jin Yan, he can continue to borrow; if not, he can't continue to borrow.

After the repayment of Jin Yan e-loan, the line will be restored in real time, and users can continue to use the line.

If you are a new user, Jin Yan e-loan can only be used for two years, which means that you can only borrow for 24 months at most. If you are an old user, the loan period can be extended. It is best to consult the customer service staff of the loan platform directly.

What is the interest rate of Henan rural credit cooperatives?

1. Henan rural credit cooperatives loan 100000 interest varies according to the actual situation. Under normal circumstances, the annual interest rate of loans is generally around 5%. Please consult the local rural credit cooperatives for specific interest.

2. The loan interest rate within one year is 35%; The loan interest rate within one to five years is 75%; The loan interest rate for more than five years is 90%. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation.

3. According to the current policy, the floating interest rate of various loans of credit cooperatives shall not exceed 60% of the benchmark interest rate of banks of the same grade. The interest calculation method of rural credit cooperative loans and bank loans is the same. The calculation formula is: loan interest = loan principal loan time loan interest rate.

The interest rate is 50%. According to the notice issued by Henan Rural Credit Cooperatives, in 2020, the annual interest rate of Henan Rural Credit Cooperatives will be 1.75%, 0.45% for one year, 0.45% for two years, 98.8% for three years and 50% for five years.

5. The benchmark loan interest rate is: the one-year loan interest rate is 4. 35%, 1-5-year loan interest rate is 4. 75%, the loan interest rate for more than 5 years is 4. 90%。 The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives. Credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation.

6. Annual principal plus interest of rural credit cooperatives = principal ×( 16%). The borrower who applies for a loan should have the basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit, and meet the following requirements: the ability to repay the principal and interest on schedule.

The introduction of loans from rural credit cooperatives in Henan Province ends here.