Conditions for Wuyuan Credit Cooperative to handle Fumin Card

Requirements: my valid identity certificate and the letter of introduction from the cooperative unit to his identity certificate. There is no need for documents signed by both husband and wife to apply for Huimin card of rural credit cooperatives.

Rural credit cooperatives are responsible for the collection, entry and examination and approval of various subsidies for the benefit of the people, and the financial department supervises the information collected and entered. It reduces the duplication of information and data between the financial department and other competent departments, realizes the timely discovery and correction of wrong information and data, and improves efficiency.

Loan conditions of rural credit cooperatives: 1. 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 to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department. 3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business 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. 5. The asset-liability ratio of rural borrowers 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.