You can refer to the content: it may be helpful to you;
The borrower operating the loan must meet the following conditions:
(1) China citizens who have reached the age of 18, have full capacity for civil conduct, have a fixed residence in the service area of rural credit cooperatives, and the sum of the borrower's age and loan term is not more than 60 years old;
(2) Having a local fixed residence, fixed residence and business premises;
(3) Having the ability to repay the loan principal and interest on schedule;
(4) It has a good reputation and no bad credit record within three years;
(5) Having the credit qualification recognized by the rural credit cooperatives (that is, the credit rating of farmers whose personal credit rating in cities and towns is BBB or above is "good" or above);
(six) to provide effective guarantees recognized by rural credit cooperatives;
(seven) have the ability to engage in legitimate production and operation and certain experience;
(8) Having a legal and effective production and operation certificate (including business license or business license, etc.). );
(nine) the industry conforms to the national industrial policy and regional economic development policy, and has good economic and social benefits;
(ten) to open a personal bank settlement account in rural credit cooperatives, or to handle the main settlement business through rural credit cooperatives;
(11) Other conditions.
1, institutions or civil servants as guarantors
2. Identification certificates of the lender and guarantor
Conditions that the borrower must meet:
(a) approved by the administrative department for industry and commerce, registered in accordance with the law, with the business license of enterprise legal person and production and operation license;
(b) Independent accounting and a sound financial system;
(3) Having funds in accordance with the prescribed proportion;
(4) It has good business performance and the loan is used legally; If the loan is used for production and operation, it can really generate economic benefits and repay the principal and interest on schedule;
(5) Having a guarantor or collateral that meets the guarantee conditions;
(six) to open a settlement account in a credit cooperative, submit financial statements as required, and accept the credit and settlement supervision of the credit cooperative.
(2) Information to be provided when applying for a loan
(1) A written loan application;
(2) Basic information of the borrower;
(3) A photocopy of the annual business license of the enterprise as a legal person, the original and photocopy of the legal representative's certificate or power of attorney and the identity certificate of the authorized agent, and a photocopy of the organization code certificate;
(d) resolutions of the board of directors and articles of association of the borrower and guarantor;
(five) the balance sheet, income statement and other financial statements of the previous year and the previous period audited by the accounting (auditing) firm;
(f) Sales contracts and approvals involved in the loan;
(seven) the basic information of the guarantor;
(8) List of mortgaged (pledged) goods, proof that the person who has the right to dispose of it agrees to mortgage (pledged) goods, and relevant documents that the guarantor intends to agree to guarantee;
(1) Effective loan cards of the borrower and the guarantor.
You can call for details.
In addition, you can consult pawnshops, such as Weifang Tianhe Pawnshop, where the interest rate is not high. Then use company personnel to handle more credit cards in case of emergency.
happy
(II) Loan conditions: The borrower shall meet the following basic conditions when applying for a loan, such as marketable products, profitable production and operation, no misappropriation of credit funds, abiding by credit, etc.:
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;
2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;
3. basic account or general deposit account has been opened in the lending institution, and a certain amount of payment deposit has been reserved in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions 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. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
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 owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.
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 apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures according to the regulations.
When will the loan fund for Baojiaolou of Xiangxi Jishou Huashi Real Estate Co., Ltd. be issued?
From 65438+February 1 to 65438+February 3 1 in 2022. Jishou is the capital of Xiangxi Tujia and Miao Autonomous Prefecture in Hunan Province. The loan funds for Baojiao Building of Jishou Huashi Real Estate Co., Ltd. in Xiangxi Autonomous Prefecture are distributed from June 5438+February 1 to June 5438+February 3 1, and the city borders luxi county in the southeast, Huayuan County in the northwest, Fenghuang County, Baojing County and Guzhang County in the southwest. Jishou is located between 28 08 ′ ~ 28 29 ′ north latitude and109 30 ′ ~10 04 ′ east longitude. Total area 1078.33 km2.
Where is the business hall of Jishou China Merchants Bank?
Rongchang Yulong Century Villa. Jishou, the capital of the prefecture-level administrative region of Xiangxi Tujia and Miao Autonomous Prefecture in Hunan Province, is adjacent to Luxi County in the southeast, Huayuan County in the northwest, Fenghuang County in the southwest, Baojing County and Guzhang County in the north. According to Baidu map, the business hall of China Merchants Bank in this city is located in Yulong Century Villa in Rongchang. The business scope of this business hall mainly includes absorbing public deposits, issuing loans, settlement, bill discounting, issuing financial bonds and other businesses approved by China Banking Regulatory Commission.
Xiangxi mortgage interest rate
This time, Xiangxi lowered the interest rate of the first individual housing provident fund loan by 0. 15 percentage points, and adjusted the interest rates for less than 5 years (including 5 years) and more than 5 years to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are 3.025% and 3.575% respectively.
According to the relevant person in charge of the center, the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October1in 2022 shall be implemented at the adjusted interest rate.
What is the Agricultural Bank of Jishou August Building?
Jishou August Lou Agricultural Bank is a central settlement bank approved by the state, which was established in July 2065438+2006. The bank takes the location of August Building in the downtown area of Jishou as its office, and has carried out bank card business, online banking and settlement business.