Rural credit cooperatives can lend money, strictly speaking, with interest.
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2. Can rural credit cooperatives lend money?
Of course. Users can apply for loans directly in the rural credit cooperatives, and after signing the contract after examination, the money will be directly credited to the rural credit cooperatives card. When applying for online loans, many products only support lending to mainstream bank cards, while the cards of rural credit cooperatives are usually local, so it is not suitable for applying for online loans. It is recommended that mainstream bank cards apply for online loans.
Under normal circumstances, users will be informed which bank card online lending products support lending, and users only need to consult online customer service.
3. Can rural credit cooperatives lend money?
This is certainly possible. It depends on the credit union. These credit cooperatives only give loans to local villagers, and the requirements are land and hukou. If it is a credit cooperative in the town, there will be many kinds of loans, some of which are basically available in other commercial banks. I'm not a friend in this field either. I usually listen to them.
4. Can rural credit cooperatives lend money?
Conditions for loans from rural credit cooperatives:
1. Application conditions
First of all, the purpose of this loan needs to be used for agricultural purposes such as planting or breeding.
Second, if it is used for consumer loans, then the purpose of this loan is to provide some prenatal and postnatal services in agriculture, or to buy personal necessities and build a house. Different loan types need to meet different loan conditions, and you can go to the local bank for consultation according to individuals.
2. Application materials
To apply for a loan from a rural credit cooperative, you need to prepare more relevant materials. First, you should go to the bank to fill out the loan application form, and then prepare your personal ID card, household registration book, proof of marital status and proof of income.
In addition, the guarantor of the guarantee also needs to provide relevant certification materials, including the guarantor's ID card account book, copy and original account book.
3. Bank audit
Rural credit cooperatives will review the applicant's relevant information, mainly to review the applicant's personal credit information and repayment ability. Then you need to check whether the applicant has guaranteed the debts of others and individuals.
4. Approval and distribution
After the completion of the audit, the applicant will be issued a loan certificate, which needs to be handled at the local credit cooperative after obtaining it. It is necessary to approve another loan, sign a loan contract after completion, and then the applicant receives the loan and repays it in time according to the repayment period.