Conditions for applying for loans from rural credit cooperatives

1. Loans that can repay the principal and interest on time and are due have been basically paid off, and those that have not been paid off have been approved by the lender.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3. It has opened a basic account or general deposit account with the lending institution, paid the deposits in the account, and voluntarily accepted the credit and settlement supervision and inspection of the lending institution, which can ensure that the business plan, related business and financial statements are submitted to the lending institution on a regular basis.

4. To apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements, an enterprise or economic entity that has opened a deposit account in a rural credit cooperative and has good economic benefits and reliable credit.

5. The borrower's asset-liability ratio shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must be submitted in accordance with the project management requirements, and complete, standardized and effective documents and materials must be submitted.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. The borrower must go through the annual inspection procedures according to the regulations.

Extended data:

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. The same amount;

(2) Equal principal repayment: that is, the borrower repays the loan amount on an average monthly basis and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Repay the loan principal in one lump sum on the maturity date [within one year (including interest, which is repaid monthly;

(4) Repayment of part of the loan in advance: part of the loan amount can be repaid in advance, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. The repayment amount and repayment period remain unchanged, and the new repayment period shall not exceed the original loan period.

(:That is, the borrower applies to the bank, and the loan bank will terminate the borrower's loan after repayment.

(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and there is no penalty for using one day's money.

Reference rural credit cooperative loan procedure

2. What are the conditions for the loan of Yunnan Rural Credit Cooperatives?

Hello, as far as your question is concerned, first of all, you should know what kinds of loans there are. In terms of types, it can be mainly divided into credit loans and secured loans.

First of all, let's talk about credit loans:

As far as the credit loan of rural credit cooperatives is concerned, it is only for natural persons who have lived in the jurisdiction of credit cooperatives for a long time and have good reputation, repayment ability and full capacity for civil conduct in agricultural registered permanent residence, but the amount is relatively low and not very high. I wonder what the credit line will be over there. First, prepare yourself and your spouse. If you don't have a spouse, you need to go to the relevant department to issue a certificate of marital status, your ID card and household registration book. Then go to the credit union to find a loan officer to apply for a loan, and the loan officer will conduct a pre-loan investigation. The contents of the survey generally include the borrower's production and operation projects, whether the borrower is a permanent resident in the region, the borrower's capacity for civil conduct, income, expenditure, loan purpose, loan amount, past personal credit records, family situation and so on. If he thinks you meet the requirements of credit loan for small farmers, then he will handle the loan for you.

Let's talk about secured loans:

Guaranteed loans and credit loans are different. Rural credit cooperatives have secured loans, farmers' joint guarantee loans, farmers' mortgage loans and workers' guaranteed loans, and others are basically not used. Personally, I suggest not to apply for this loan, because after such a loan is applied, you not only have to bear the debt in your own name, but also guarantee for other members of the joint protection team, which is prone to problems. Mortgage is to use the property you have the right to dispose of and get it from the credit union as collateral. If you don't have it, you can borrow it from relatives and friends, except private houses, but this kind of loan is issued in proportion to the value of collateral. For example, if your collateral is worth 500,000 yuan, then under normal circumstances, the credit union will agree to give you a loan of no more than 250,000 yuan, and the procedures are relatively complicated and the extra cost is high, that is, you can use your own or borrowed passbook. Or take the share capital to the credit union as collateral. The advantage of this kind of loan is that the interest rate is generally low, and the loan officer will not do too much pre-loan investigation. However, if you can borrow a passbook, you should also be able to borrow money. A loan guaranteed by an employee is a loan granted with the salary of a staff member as a guarantee. Personally, I suggest you choose this one, but only if someone with such a job can guarantee you. Qualified guarantors should be government workers and employees of some institutions. This kind of loan is faster than mortgage and pledge, and the additional cost is not high. As long as the loan officer can confirm that the guarantor is qualified, he will handle the loan for you. Another point is that no matter what kind of loan is in the office, the borrower, the pledgor and the guarantor should prepare the ID card household registration book. For both husband and wife, the above personnel should be in the office.

Still hope to adopt, thank you!

3. What are the loan conditions of Yunnan Rural Credit Cooperatives?

Conditions must meet the following conditions: the ability to repay the principal and interest on time; Except for natural persons and enterprise legal persons who do not need the approval of the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department; Rural credit cooperatives have opened basic account or general deposit accounts and kept a certain amount of deposits in the accounts; The borrower's debt ratio shall not be higher than 70%. You must meet the above conditions to get a loan.

4. What conditions do Yunnan Rural Credit Cooperatives need for loans?

1, the business license of the enterprise as a legal person or the business license is valid; 2. Open a basic account or general account in a credit cooperative; 3. The enterprise holds a loan card issued by the People's Bank of China; 4 obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time; 5. Having fixed business premises and facilities; 6. Sound financial management system and standardized enterprise management. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (hereinafter referred to as China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 4 19 of the Civil Code of People's Republic of China (PRC) stipulates that the mortgagee shall exercise the mortgage right during the limitation of the principal creditor's rights; If it is not exercised, people will not be protected.