1. How to handle the Sunshine E loan of rural commercial banks?
Applicants can apply for relevant application materials at the offline counter of the rural commercial bank. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid identity documents. After the borrower successfully applies for a loan, he can repay the loan principal and interest in accordance with the loan contract. Applicants can also enter personal information, log in to a rural commercial bank in official website, and then apply for loan business directly in official website. After the bank receives the loan application, the credit counter staff will go to the door to review and sign the contract, fill in the loan receipt, and then use the loan as required.
Two, rural commercial banks sunshine e loan application conditions
The application conditions for Sunshine E-loan of rural commercial banks are as follows: the applicant must be 18 to 65 years old and have full capacity for civil conduct. The borrower's actual age plus the loan application period shall not exceed 70 years old, and the applicant's personal credit information is good and there is no overdue situation. The applicant has a stable income, a relatively stable occupation and the ability to repay the principal and interest of the loan on time. The loan is used legally and can provide proof of income or personal assets. If you want a high amount, you need to provide proof of assets. Open a basic deposit account or general deposit account in a rural commercial bank, and reserve a certain amount of deposit in the account. Loans need to provide these conditions, but one of them does not meet the requirements, so you can't apply for Sunshine E loan from rural commercial banks. It is very important that the applicant has the ability to repay the principal and interest on schedule, and the original loan interest and the due loan have been basically paid off. At the same time, it is best to have a loan guarantor, loan collateral or pledge that meets the requirements.
Before deciding on the loan, formal financial institutions will rate the applicants according to their relevant qualifications, and then issue the corresponding amount of loans. Financial institutions shall assess the credit rating of borrowers according to their leadership quality, economic strength, capital structure, performance, operating efficiency, development prospects and other factors.