The loan condition of Hengtong Rural Bank is that all borrowers need to have a good credit record. If users need to know the detailed loan situation of Hengtong Village Bank, they need to consult the outlets of Hengtong Village Bank. Users should know a lot of negative things, such as their repayment ability, before lending. Users make corresponding loans after full and careful consideration. And after borrowing, repay on schedule.
1. Nanchang Xinhengtong Rural Bank
Nanchang Xinjian Hengtong Village Bank is a financial institution of Zhejiang Wenzhou independent legal person village bank initiated by Longwan Rural Commercial Bank, a national benchmark rural commercial bank. The industrial and commercial business license was obtained on 20116, and it was officially opened on 20 17 16. Nanchang Xinjian Hengtong Village Bank adheres to the business philosophy of "persistence, benefiting farmers through business" and aims at "serving agriculture, rural areas and farmers and supporting small and micro", and is committed to building itself into a comprehensive bank that provides inclusive, convenient and high-quality services to newly-built local urban and rural residents.
Second, the village bank loan conditions
When handling loans in rural banks, different loan types need different loan materials and conditions. But many basic conditions are the same. For example, the borrower has good credit information and the ability to repay on time, loan application, marriage certificate, local household registration certificate, etc. It is best for rural banks to go directly to the bank for consultation. Usually, banks will tell users the specific loan conditions and check whether they meet the conditions before lending. If so, users can apply. If not, users can think of other ways to make loans smoothly.
To sum up, the loan amount of rural banks is low and the loan interest is low. However, bank loan is also a kind of loan, which has advantages and disadvantages, and requires users to choose carefully. Rural banks are supported by certain national policies and have a certain degree of credibility in loans. Therefore, you can choose whether to lend to village banks according to your actual situation.
Do rural banks need letters of introduction for credit loans?
Generally speaking, village bank credit loans do not need letters of introduction, but only need to be over 18 years old (including 18 years old), and the sum of age and loan years when applying for loans does not exceed 60. Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents. According to the Measures for the Administration of Credit Rating of Rural, Rural and Rural Customers of Rural Banks, the credit rating of customers is medium or above, and customers should have stable income and the ability to repay the loan principal and interest on schedule. Engaged in production and business activities in line with national laws and regulations and industrial policies, good conduct. There is no overdue loan when applying for a loan.
I. Village banks
Village banks are also known by more and more people, but many people know little about them. Some people even think that village banks belong to village banks, but this is not the case. In fact, the village bank was established as early as 2007. Since then, rural banks have gradually become the main force to promote the finance of Puhuinong Village and help win the battle against poverty. The rapid establishment of rural banks is conducive to local development and standardized operation. With the rapid development of rural banks, the scale of institutions is also growing steadily. Relevant data show that by the end of June 20 19, the number of rural banks established by * * * nationwide had reached 162 1, covering 3 1 provinces and * * 1286 counties, with county coverage reaching.
Second, it is a formal banking institution.
In fact, rural banks are also formal banking institutions in China, just like China Industrial and Commercial Bank, China Bank, China Construction Bank and Bank of Communications. They are formal banking institutions officially approved by China Banking and Insurance Regulatory Commission. To put it bluntly, rural banks are actually commercial banks. Another remarkable feature of village banks is that they are usually small in scale, much smaller than other large banks. Usually, village banks are established by big banks, and the controlling shareholders of many village banks are six state-owned banks or other larger commercial banks.
You can apply for a loan in a village bank only if you meet the above conditions.
Loan conditions of Weining Fumin Village Bank
1. The original and photocopy of the borrower's valid ID card are required for bank loans (the borrower's age must meet the basic conditions of 18-65 years old). Local permanent residence or valid residence identity certificate, proof of borrower's repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax policy, insurance policy, etc.
2. The borrower shall obtain the pledge right, the list of pledged objects, the ownership certificate required for pledge and mortgage amount, and the written documents of the property owner and * * * agreeing to pledge and mortgage. Written documents required for the borrower to obtain the guarantee amount, written documents for the guarantor to agree to provide the guarantee, and credit certification materials of the guarantor (credit loans are not required).
3. Collateral appraisal report issued by the appraisal department recognized by the society (this material is required for mortgage loans, and other documents and materials stipulated by the bank are required for bank loans).
Bank loan application process:
1. Preparation of relevant procedures: The procedures to be submitted for general loans mainly include: loan application form, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If it is an unsecured customer, it is necessary to provide a good credit record.
2. Apply to the bank: After the customer prepares the relevant materials, he can go to the bank or the law firm entrusted by the bank to submit the relevant materials to the bank for review, and all expenses will be paid by the customer. The customer needs to sign a loan contract with the bank as a binding legal document for both parties.
3. Approval before bank loan: If it is a house loan, the law firm entrusted by the bank will first review the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer.
4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry.
5. Bank loan: After the customer completes the relevant formalities, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan quantity, loan term, loan interest rate and other related information, issue a loan instruction, and transfer the loan project to the customer account.
What are the requirements for rural banks to issue loans?
Village banks should establish a credit mechanism suitable for their own business development and reasonably determine the credit lines of different borrowers. Within the credit line, rural banks can issue loans by means of one-time credit, multiple use and circulating lending.
Village banks should adhere to the principle of small-scale decentralized loans, improve loan coverage and prevent excessive concentration of loans. The loan balance of a village bank to the same borrower shall not exceed 5% of the net capital; The credit balance to a single group enterprise customer shall not exceed 10% of the net capital.