The conditions of rural credit cooperatives in different regions will be different, and the basic conditions need to meet the following points:

1, age 18-65 years old (it can be appropriately relaxed if collateral with high hedging rate is used as a guarantee);

2. The domicile or fixed residence (business place) has legal and stable economic income in the service area of rural commercial banks;

3. No major bad credit records (in line with the standards of rural commercial banks);

4. The loan application is clear, legal, compliant and reasonable;

5, its own funds not less than the prescribed proportion;

6. Family members have no valid credit in rural commercial banks (except housing and automobile mortgage);

7. Guarantees recognized by rural commercial banks can be provided (except credit loans).

8. Other conditions stipulated by the credit union.

If it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can look it up: kingfisher data. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

Extended data:

What are the procedures for a credit union loan of 65,438+10,000 yuan?

Go to the credit union to apply for a loan of 654.38 million yuan. If you choose to apply for a credit loan, you need to go through the following procedures:

1. You need to prepare personal ID card, bank card, passbook, running bill and other income certificates first, and go to the branch counter to find a staff member to handle them;

2. Get the loan application form and fill it out, and then hand it over to the staff together with the information. After finishing, the staff will hand it over to the audit department for review.

3. The examination department will investigate and verify the company's income, liabilities, loan purposes and repayment ability according to the submitted materials, and check its credit status with the inquired personal credit report. After the approval, a letter of intent will be issued and then submitted to the superior for approval.

4. If it is finally passed, the credit union will send a message. After receiving the notice, it is necessary to sign the loan contract and related agreements at the outlets within the agreed time.

5. After signing the contract agreement, the credit cooperative will issue the loan funds to its bank card. After receiving the funds, you can use them, and then just remember to repay them on time according to the repayment plan agreed in the contract.

Two. The loan conditions of rural commercial banks are 654.38 million yuan.

If the household registration is rural, you can go back to the local credit union for a notebook, with a maximum of 5w for a single household. If it is a city investment, public officials can go to the local rural commercial bank to consult whether there is a microfinance department. I'm from a rural commercial bank in Yibin, where the microfinance department provides consumer loans to public officials. The procedure is particularly simple. The specific amount is calculated according to your income and expenditure. 1. The applicant must be a natural person with full civil capacity. 2. Having urban permanent residence or valid residence status requires the borrower to have legal status. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. 5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.

3. What are the conditions for rural credit cooperatives to lend 654.38+10,000 yuan?

Lenders can borrow 654.38 million yuan by providing mortgage or guarantee to rural credit cooperatives. Loans from rural credit cooperatives belong to, usually the amount will not exceed 50,000 yuan.

For large loans, the lending bank or company needs to check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

4. What are the conditions for Shaxian Rural Credit Cooperative to borrow a snack business card100,000 yuan? They have borrowed it. Can they borrow it again? Please elaborate. Thank you.

Hello, can I get a loan? Mainly after the bank evaluation, I suggest you contact the bank and let it

Honey, my answer is full! Or you can choose to keep asking me.