Product introduction
"Anjule" farmers' housing loan refers to loans issued by Sichuan Rural Credit Cooperatives to improve farmers' living conditions. Farmers who apply for "Anjule" farmers' housing loans should have good credit, the ability to repay the loan principal and interest, the relevant examination and approval procedures for building land and not less than 50% of their own funds.
The specific loan amount of housing loans of rural credit cooperatives in Sichuan Province is determined according to the total investment, self-raised funds and farmers' repayment ability. It can be used to issue both secured loans and credit loans, of which the maximum credit loan for excellent credit users is no more than 654.38+10,000 yuan, the maximum credit loan for good credit users is no more than 50,000 yuan, and the maximum credit loan for general credit users is no more than 30,000 yuan. The longest loan period is 5 years.
Loan characteristics
Sichuan rural credit cooperatives have flexible loan methods, diverse repayment methods, simple procedures and long loan period.
area of application
Farmers who meet the loan access conditions of rural credit cooperatives.
operation flow
(1) Apply and provide the following information.
(1) loan application and valid identity documents, household registration books and marital status certificates of the borrower and spouse;
(2) Guaranteed loans need to provide relevant guarantee materials;
(3) materials to prove the purpose of the loan, such as the examination and approval procedures for construction land;
(4) Housing investment estimation and self-financing certificate;
(5) proof of repayment ability;
6 loan certificate;
⑦ Other materials specified by rural credit cooperatives.
(2) Investigation, review and approval
Rural credit cooperatives in accordance with the "Sichuan Rural Credit Cooperatives Small Credit Loan Operating Rules" or "Sichuan Rural Credit Cooperatives Personal Loan Basic Operating Rules" for investigation and approval.
(3) Sign a contract
Rural credit cooperatives sign loan contracts with loan applicants. Guaranteed loans also need to sign a guarantee contract with the guarantor and go through the relevant guarantee procedures.
(4) Opening an account
Farmers open personal deposit accounts in rural credit cooperatives.
(5) Withdrawal loan
After completing the relevant loan procedures, the rural credit cooperatives will directly transfer the loan to the deposit account opened by the borrower in the rural credit cooperatives in accordance with the loan contract, and use the loan in one lump sum or by stages.
(6) Repayment on schedule
The borrower shall repay the loan principal and interest in accordance with the loan contract.
How much is the rural loan amount in Liangshan Prefecture, Sichuan Province?
The rural loan amount in Liangshan Prefecture of Sichuan Province is 20,000. For rural credit cooperatives, the quota cannot exceed 30,000 yuan. If it is a mortgage loan, it will be easier to handle and the amount will be slightly higher. The amount of unsecured loans is about 20,000 yuan.
How to get a student loan in Sichuan?
The general process of student credit loan business is as follows:
1. Borrowing students receive (or download and print by themselves) 2 copies of the Application Form for Student-origin Credit Student Loan of China Development Bank (hereinafter referred to as the "Application Form") at the county (district) student aid center, fill in their personal information, and go to the village committee (neighborhood committee) for review and affix their official seals.
2. The borrowing student and his * * * co-borrower hold the application form, the original and copy of legal and valid identity certificate (household registration book or ID card, etc.). ) The original and photocopy of the certificate issued by the borrowing students and 65,438+0 colleges and universities in co-borrower (including name, major, grade, school performance, tuition and accommodation fees, etc.). ).
3. The student aid center of the county (district) organizes the borrowing students and their * * * to sign a student loan contract with the borrower, and provides the borrowing students with the receipt of the contract, which is used to prove that the borrowing students have obtained the qualification of the national student loan of the student origin of the China Development Bank when reporting to the university, and fill in the tuition fees, accommodation fees, university account information and contact information of the borrowing students in the university, and confirm that the students have entered the university after affixing the official seal. After the contract is signed, the county (district) financial aid center reminds students to open an account in China Agricultural Bank in time. This contract shall come into effect after it is approved by China Development Bank and formally issued a loan review confirmation letter to the Autonomous Region Fund Office.
4. After the county (district) financial aid center summarizes the loan information of the students who borrow from the county (district), it will submit the application summary of national student loan in XX county (district) to the autonomous region financial aid office and the Agricultural Bank of China (electronic version) respectively.
According to the application of students, banks open personal accounts for borrowing students.
6. The autonomous region funding office received the county (district) funding center "XXX county (district) students' national student loan application summary table", and submitted the county (district) summary table and the total amount of loans to be applied for students' credit student loans in the province to the XX branch of China Development Bank. China Development Bank implements relevant funding arrangements.
7. Borrowing students report to colleges and universities with the credit loan contract (including receipt) of the students' origin, and colleges and universities fill in the receipt. Confirm the borrower's registration and fill in the required amount according to the tuition and accommodation fees of our school. If the total amount of tuition and accommodation fees exceeds the loan amount, it shall be filled out according to the loan amount, and the insufficient part shall be made up by the borrowing students.
8. Borrowing students will send the receipt of the national student loan (in duplicate) back to the county (district) funding center.
Sichuan province student loan application procedure
Methods and steps:
1, student application: Students receive the Approval Form for National Student Loan Application and other materials, fill them out truthfully and completely, prepare relevant supporting materials and return them to the national student loan agency of the school;
2. School institutions conduct loan preliminary examination: school institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center;
3. The handling bank approves the loan: the handling bank completes the audit within 20 working days after receiving the information form and application materials submitted by the school;
4. Sign a loan contract with students: After the loan application is approved, the school will organize students to fill in, sign a loan contract and an iou within 10 working days according to the roster of loan students provided by the handling bank, and submit it to the handling bank;
5. Loan issuance: The handling bank will transfer the first-year tuition, accommodation and living expenses to the designated account opened by the school in the handling bank within 20 working days after signing the loan contract and receipt with the borrowing student;
6. Repaying the loan;
Note: The information needed to apply for the national student loan must be true and reliable. If there is fraud, the loan will be stopped.
Which loan in Chengdu is more secure?
The credit industry in Chengdu is booming, and loan companies can be seen everywhere. But since you want a loan, you must find a reliable one, otherwise it will not only solve the financial problem, but also bring unnecessary trouble. So who is reliable in Chengdu loan company? You can't go wrong by choosing the following.
Sichuan hanhua company limited
Sichuan Hanhua Co., Ltd. was established on May 9, 2009/KLOC-0, and "small amount of dispersion" has always been its business feature. It mainly provides customers with fast, simple and unsecured credit loans, and has established a wide and good reputation with its professional credit services. It has successively won the titles of "Top Companies in China 100, Most Potential Companies in China and Excellent Companies in the Region".
Sichuan Tai Ding investment co., ltd
When asked who the Chengdu loan company is reliable, Sichuan Tai Ding Investment Co., Ltd. is definitely included. The subsidiary of Top Piper Group is formal, safe and guaranteed, and has provided consulting services for corporate and personal loans for more than ten years. It is the only loan company in Chengdu that is free of handling fees. There are more than 10 kinds of credit products independently developed: sincere loans, sincere loans, real estate loans, beauty loans, commercial loans, excellent loans, elite loans and cash loans.
Chengdu tongxing co., ltd
Chengdu Tongxing Co., Ltd. was established in 2009, with a registered capital of1010 million yuan. He is the president of Chengdu Microfinance Association and the largest microfinance institution in Chengdu. The company is mainly engaged in the credit business of small and medium-sized enterprises and individuals. As of September 20 13, the company's loan balance was about1500 million, and it won the honor of the best company in Sichuan Province.
A reliable Chengdu loan company must first look at whether the institution is formal. The above-mentioned loan companies are all registered and established by the Industrial and Commercial Bureau, and the scale is relatively large. You can apply with confidence.
Can Sichuan Bank get a wage mortgage loan?
Of course.
Sichuan Bank was established on June 7, 2020, 165438+. It is the first provincial-level corporate city commercial bank in Sichuan Province based on Panzhihua City Commercial Bank and Liangshan Prefecture Commercial Bank, with 28 investors.
Sichuan Bank has a registered capital of 30 billion yuan, ranking first among the national city commercial banks.
Sichuan bank loan conditions: the borrower is 20 years old and not more than 65 years old; Good credit status, no bad records and illegal acts; Have a stable and legal source of income.
Loan materials of Sichuan Bank: proof of identity, proof of marital status, proof of income, relevant materials of guarantor, collateral materials, etc.
This is the end of the formal introduction of Sichuan loan and Sichuan financing loan. I wonder if you found the information you need from it?