Loans are generally granted in half a month or so.
The process of approval 1 The basic conditions of the borrower and guarantor; 2 The financial report of the previous year approved by the financial department or the accounting (audit) firm, and the financial report of the previous period of the loan application; 3 The correctness of the original unreasonably occupied loan; 4 Collateral,Pledge
The list of objects and the consent of the person with the right to dispose of the mortgage, the proof of the pledge and the guarantor intends to agree to guarantee the relevant proof; 5 project proposal and feasibility report; 6 credit cooperatives need to provide other relevant information.
Second, the credit rating evaluation 1 credit unions to assess the credit rating of the borrower.
Third, the loan investigation 1 credit union to investigate the borrower's legality, security, profitability and other conditions.
IV. Loan Approval 1 The credit cooperatives will perform loan approval according to the loan management system for separation of loans and graded approval.
V. Signing the contract 1 The credit cooperatives sign a loan contract with the borrower.
VI. Loan issuance 1 The credit cooperatives shall issue loans on time according to the provisions of the loan contract.
VII. Post-loan inspection 1 The credit cooperative conducts follow-up investigation and inspection of the borrower's implementation of the loan contract and the borrower's business operations.
8. Loan repayment 1 When the loan expires, the borrower repays the loan principal and interest on time and in full.