Shuxin e-loan is a loan product launched by Sichuan Rural Credit Cooperatives, and it is the first full-line credit consumption loan product launched by Sichuan Rural Credit Cooperatives. Shuxin e-loan is a credit loan product launched by Nong Xin, Sichuan. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades. When applying for a loan, you can apply for a loan within the credit line with valid identity documents.
You can apply at the local bank.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
E-loan of rural commercial credit needs a platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time.
Operating environment: Harhonyos 2.0.0
Loan process:
(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.
(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.
(3) Issuing loan vouchers.
(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).
(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.
(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.
This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Qianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.