1. What is Sanhui Loan? Sanhui Loan is the "Sanhui Card" launched by Baoshan Rural Credit Cooperative. The "Hui Nong Card" is mainly for local farmers, the "Hui Min Card" is mainly for individual businesses, and the "Hui Business Card" is mainly for individual businesses.

and business owners.

The credit period of this type of product is 3 years, and the single use right is 1 year. Within the credit period, the management model of "one-time credit, limit control, recycling, interest calculation, and loan and repayment at any time" is implemented, and

Loans and repayments can be made through counter or mobile banking. The credit limit for Huinong Card is up to 300,000 yuan, the credit limit for Huimin Card is up to 1 million yuan, and the credit limit for Huishang Card is up to 5 million yuan.

Innovate loan renewal methods for small, medium and micro enterprises with good credit and normal operations, effectively reduce the risk management ability of enterprises, and gradually increase the proportion of credit loans in loans to small, medium and micro enterprises.

: Rural credit cooperatives (Ruralcrs) refer to financial institutions established with the approval of the People's Bank of China, composed of members holding shares, implementing democratic management, and operating as financial institutions.

As a bank-like financial institution, rural credit cooperatives have their own characteristics, which are mainly reflected in: 1. Its main purpose is to organize a cooperative financial organization for farmers and rural areas. Its business operations are managed and managed through democratic selection of members, and the members are

Responsible.

Its highest authority is the Members' Congress, and the executive agency responsible for the management of specific affairs and business operations is the Board of Directors. 2. The main source of funds is the share capital and retention paid by the members of the cooperative; loans are mainly used to meet the financial needs of its members.

At first, it mainly issued short-term production and living loans and consumer loans. Later, with the development of the economy, lending channels were gradually expanded, and now they are no different from commercial bank loans.

3. Since the business objects are cooperative members, the business procedures are simple and flexible.

The main tasks of rural credit cooperatives are: in accordance with the provisions of national laws and financial policies, organize state banks and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.

2. What is the interest rate of Rural Credit Cooperative Sanhui Loan?

The loan base interest rates are: 1. The interest rate for loans within one year is 4.35%; 2. The interest rate for loans within one to five years is 4.75%; 3. The interest rate for loans over five years is 4.90%.

The central bank's benchmark loan interest rate serves as the guiding interest rate for loans to rural credit cooperatives. Credit cooperatives have the right to raise or lower the loan interest rate based on the borrower's situation.

The lower limit of rural credit cooperative loan interest rates is 0.9 times the benchmark interest rate, and the maximum increase factor is 2.3 times the benchmark loan interest rate.

Rural Credit Cooperative Loan Conditions: When applying for a loan, borrowers must meet basic conditions such as having a market for their products, producing and operating efficiently, not misappropriating credit funds, and abiding by credit, and must meet the following requirements: 1. Have the ability to repay principal and interest on schedule.

.

The original loan interest payable and due loans have been basically repaid; if they have not been repaid, a repayment plan approved by the lender has been made.

2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures should be completed by the industrial and commercial department.

3. Rural residents have opened a basic account or general deposit account with a loan cooperative, and retain a certain amount of payment deposit in the account; they voluntarily accept the supervision and inspection of credit and settlement by the loan cooperative, and can ensure that they regularly report their business operations to the loan cooperative

Plans and related business and financial statements.

4. If you apply for a guarantee or mortgage loan, you must have a loan guarantor, loan collateral or pledge that meets the regulations.

The loan guarantor must be an enterprise or economic entity that has a deposit account in a rural credit cooperative and has good economic benefits and credit standing.

Loan collateral must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, it should be mainly real estate (such as houses, land), must be commercial, and be easily liquidated.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. When applying for loans for fixed assets, real estate and other projects, the borrower's owner's equity and self-raised funds ratio must meet the requirements stipulated by the State Council, and complete, standardized and valid documents must be submitted in accordance with project management requirements.

7. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies shall not exceed 50% of their net assets.

8. Rural borrowers must apply for loan cards in accordance with the regulations of the People's Bank of China and undergo annual inspection procedures as required.

3. Rural Credit Cooperative Sanhui Loan takes 15 working days to disburse funds.

Rural Credit Cooperative Sanhui Loan generally takes 15 working days.

1. Bank loan process: First submit a personal loan application. After the bank accepts it, the mortgaged property will be evaluated. The loan will be reviewed based on the assessed value and the information provided by the borrower. After passing the review, go to the law firm to sign.

Loan contract, and at the same time go through the mortgage procedures of the real estate certificate and bank loan.

2. If the information is complete, send it to the bank for approval. It will take at least 15 working days for the loan to be processed.