How to reapply when the loan contract of Zhangzhou Rural Commercial Bank expires?

Pay off the loan first, and then prepare the materials for applying for the loan.

How do rural commercial banks continue to apply for rural commercial loans when they expire? Repay the due loan first, and then prepare the materials to handle the loan renewal procedures. When the loan expires, it is impossible to renew the loan until the principal and interest of the loan are paid off. In order to shorten the approval process, you can communicate with the bank in advance and review the information of subsequent loans first. The materials prepared in advance include: the original and photocopy of the valid identity documents of the borrower and his spouse. Credit rating information certificates and loan vouchers provided by farmers who have been granted credit by rural credit cooperatives. The main members of the borrower's family agreed to the loan. Personal credit inquiry authorization of borrowers and their spouses. Other materials required by rural credit cooperatives.

Loans overdue will have the following consequences: loans overdue records will be uploaded to the central bank's personal credit information system, resulting in borrowers having bad records in the credit information system, leaving a credit stain; In the future, it will hinder borrowers from applying for loans and credit cards, and may even affect borrowers' travel, boarding and high-speed rail; Affect the borrower and his family, children's schooling, employment and joining the army; Borrowers will not be able to enjoy preferential policies for benefiting farmers in the future; If the circumstances are serious, they will be punished by law.