The third level is just a credit rating, which is not exactly the same as the loan amount. It has to be related to your repayment ability to get the loan amount!
2. What documents and materials do rural credit cooperatives need?
Information required for human customers to handle credit business (1) Basic information of customers 1, written loan application (2 copies); 2 copies of the borrower's valid ID card (3 copies); 3. Copy of valid ID card of the borrower's spouse (2 copies); 4. Copy of married marriage certificate (2 copies), unmarried single certificate (2 copies) and divorce certificate (2 copies); 5. Written proof that the borrower and spouse agree to borrow (1 copy); 6. Proof of occupation and income (1 copy); 7. The business license of the borrower's individual industrial and commercial households (1 copy) and a copy of the business license (1 copy); 8. A copy of the consumer contract (agreement) related to the application for consumer loans (including personal housing loans) and the purpose of borrowing (1 copy); 9. A copy of the business contract related to the application for production and operation loans and the purpose of borrowing (1 copy). (2) Loan guarantee materials 1, pledge guarantee materials (1) and a copy of the pledgor's valid identity document (1); (2) A copy of the valid ID card of the property owner (1 copy); (2) Original and photocopy of pledge (right) certificate (1 copy); (3) Written proof that the pledger and the real estate * * * agree to pledge (1 copy). 2. Mortgage guarantee materials (1) and copies of valid ID cards of the mortgagor (2 copies); (2) A copy of the valid ID card of the property owner (2 copies); (3) Copy of married marriage certificate (2 copies), unmarried single certificate (2 copies) and divorce certificate (2 copies); (4), the mortgagor and the property * * * written proof that someone agrees to mortgage (1 copy); (5) Original and photocopy of ownership certificate of collateral (2 sets); (6) Collateral evaluation report. 3. Guarantee materials (1), natural person guarantee ①. Copy of the guarantor's valid identity certificate (1 copy); (2) A copy of the valid identity certificate of the guarantor's spouse (1 copy); ③ Copy of married marriage certificate (1 copy), unmarried single certificate (1 copy) and divorce certificate (1 copy); (4) Written proof that the guarantor and spouse * * * agree to guarantee (1 copy); (5), the guarantor's occupation certificate and income certificate (1 copy). (2), legal person guarantee ①, copy of legal person business license (2 copies), and annual inspection certificate of the latest year; (2) Copy of the organization code certificate of the legal person (2 copies) and the annual inspection certificate of the latest year; (3), a copy of the tax registration certificate (2 copies), the annual inspection certificate of the last year; (4) A copy of the account opening license in the latest year (2 copies) and the annual inspection certificate; (5) Copy of the loan card (2 copies) and the annual examination certificate of the latest year; 6. Copy of ID card of legal representative (2 copies), power of attorney of legal representative (2 copies) and ID card of entrusted representative (2 copies); 7. Copy of shareholder's ID card (2 copies); Eight, the legal person and the shareholder's signature sample or seal (2 copies); Pet-name ruby, the company's board of directors or shareholders' meeting agreed to guarantee the resolution (2 copies); Attending the current financial statements audited by accounting firms in recent three years (2 sets); Attending Articles of Association (2 copies). Micro-credit loans for farmers. This kind of credit business only needs you to provide your valid ID card, personal seal and loan certificate (the credit cooperatives have issued it in advance, and some have not issued loan certificates).
3. What is the score of farmers from 65 to 79?
Benchmark interest rate: within 6 months (including 6 months) 5.85%6 months-1 year (including 1 year) 6.3 1% 1-3 years (including 3 years) 6.4%3-5 years (including 5 years).
Fourth, the certificate level
1. Promote the company credit rating system, and plan to divide the company credit rating in the whole city into 9 grades, among which AAA credit is the highest and C credit is the lowest. 2. The company credit rating system is a provincial work in Zhejiang Province, and it was piloted in Hangzhou last year. Wenzhou, Ningbo, Taizhou and Lishui are the second batch of pilot cities. According to the staff of relevant departments, the company's credit rating system comprehensively evaluates the company's credit risk with the help of third-party credit rating agencies to distinguish the company's comprehensive operating ability. At the same time, regulators, commercial banks and other stakeholders can understand and master the company's financial strength and risk status, enhance the company's credit awareness and risk prevention and control capabilities, and standardize the company's business behavior, thus promoting the sustained and healthy development of the whole industry and forming a good financial ecological environment. 1. According to the current situation, the credit rating of Wenzhou companies is divided into three major grades according to the form of Hangzhou, and then it is divided into three minor grades in each major grade, namely, A is AAA, AA, A, B is BBB, BB, B, C is CCC, CC, C. It is understood that there are currently 20 companies in Wenzhou that have completed credit rating and credit rating. 2. According to Wenzhou Financial Office, since the first company was established in Wenzhou in 2008, there are currently 45 companies in Wenzhou. By the end of July, these companies had registered capital of11900,000 yuan, total assets of143.3 billion yuan and loan balance of133.8 billion yuan, which made outstanding contributions to supporting small and micro enterprises and the development of agriculture, countryside and farmers. 3. It is understood that with the introduction of supporting measures for the company's credit rating, Wenzhou's rating scope for the company will be further expanded, which will eventually enable qualified small loan companies to have their own credit ratings. The application of corporate credit rating will be combined with its supervision and management measures and policy support to become a long-term mechanism.