It is not difficult,Loan process
: 1. Application for loans: 1. Basic information of borrowers and guarantors 2. Financial reports for the previous fiscal year approved by the financial department or accounting (audit) office, and the financial report for the previous period of the loan application; 3. Unreasonable Occupied loans are corrected; 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 the relevant proof of the guarantee; 5. The project proposal and feasibility report; 6. The bank considers it necessary to provide other relevant information;
Second, the assessment of credit rating, credit unions to assess the credit rating of the borrower;
Third, the loan investigation, the credit union to investigate the borrower's legality, safety, profitability and other conditions;
4. For loan approval, the credit cooperatives will perform loan approval according to the loan management system for separation of loan approval and grade approval. V. Sign the contract, the credit agency and the borrower sign the loan contract;
6. Loan issuance. The credit cooperatives will issue loans on time according to the provisions of the loan contract;
7. After the post-loan inspection, the credit cooperatives will conduct follow-up investigations and inspections of the borrower's implementation of the loan contract and the borrower's operations.
8. When the loan is returned, the loan expires and the borrower repays the principal and interest of the loan on time and in full.