Second, take the loan materials to the local rural credit cooperatives, choose the loan varieties suitable for them according to their own needs, sign the loan application form according to the guidance of the staff, and submit the loan materials.
Three, waiting for the approval of rural credit cooperatives. After receiving the borrower's application, the rural credit cooperatives shall investigate and approve the borrower's loan purpose, financial strength, credit status, repayment ability and guarantor.
Four, after the completion of the examination and approval, sign a loan contract and loan certificate with the borrower, go through the loan procedures, and transfer the money to the designated bank card.
Before you go to a rural credit cooperative for a loan, you need to be clear about your loan needs. There are many kinds of loans of rural credit cooperatives, including micro-loans, venture loans, business loans, land acquisition subsidies, certificate of rights loans, farmers' housing loans and so on.
When handling loans, it is necessary to provide authentic and effective loan materials, otherwise the rural credit cooperatives may refuse the borrower's loan application. Generally, the materials required for rural credit cooperatives to apply for loans include ID cards of themselves and their spouses, debit cards of rural credit cooperatives, bank cards in the last six months, personal credit reports, etc.
The above is what Bian Xiao shared for you about how rural credit cooperatives lend money. More information can focus on the construction industry and share more dry goods.