1. The applicant applies for a loan certificate from Hubei Jingzhou Rural Credit Union;
2. Rural Credit Union grades the loan applicant's application and confirms whether it is for a period of time to issue the loan;
3. When a farmer needs a small loan, he or she, with the loan certificate and a valid identity document, goes directly to the Rural The loan application is received by the rural credit union, which mainly examines the purpose and amount of the loan, and issues the loan if it passes the examination.
The Jingchu City Xiaokang Loan is a universally applicable unsecured small loan for production and operation and living consumption. The pre-credit review team consists of village cadres, senior party members and entrepreneurial pioneers, collecting information on farmers, establishing effective files, screening the "white list" of clients, and providing fair pre-credit services to farmers in the village. Rural commercial banks provide centralized credit assessment and bulk pre-disbursement. Finally, through Hubei rural credit mobile banking and other electronic banking channels, online application, online signing, online payment, repayment and other functions have been realized.
The Jingchu Cultural Well-being Loan is a purely online, paperless loan for rural customers, as well as a loan for the entire cell phone operating platform. Through Hubei rural credit mobile banking, you can handle online loans, online signing, online withdrawals and repayments and other transactions, and farmers can borrow money to recover the effectiveness of the real impetus to revitalize the countryside through financial services.
How to inquire about the balance of the bank card of the rural credit union:
1, self-service ATM self-service query: self-service ATM self-service query is a basic query, the audience is more extensive. Bank card holders carry their bank cards to any self-service ATM, insert the card into the scanning position, enter the password and operate according to the system prompts to check the balance.
2, call to inquire: call to inquire is a simpler way to inquire, suitable for illiterate or can not skillfully use the self-service ATM card users, cardholders only need to call the rural credit union bank card customer service phone (usually, customer service phone number in the back of the card), according to specific voice prompts to operate, you can query the bank card balance.
3, counter inquiry: cardholders with their ID cards and bank cards, can go to the rural credit union during working hours, consult the relevant staff can check the balance.
4, mobile WeChat query: this query method is mostly used by young people. Cardholders search for the local rural credit cooperatives public number and pay attention to, binding the bank card account according to the specific prompt operation can query the balance. (Some areas of the rural credit union may not have opened the WeChat public number service) (Apple 12, ios14, WeChat version 6.1.10)
Rural credit union bank card lost how to deal with:
1, verbal lost: If customers for various reasons can not timely to the original bank for the lost procedures, you can use the phone and other ways to deal with verbal lost. However, the customer needs to go to the bank for the relevant procedures within the stipulated period.
2, officially lost: once the customer found that his savings card lost, need to immediately bring my identification to the bank to apply for loss and fill out the application for loss.
ICB's small loans can be handled through Internet banking, mobile banking, ICBC e-life APP, etc. (Apple 12, ios14, ICBC RongeLian), you can also go to ICBC outlets, and you can consult with the relevant bank staff on the specific loan requirements.
Loan specific process:
1. Apply for a loan. Customers in advance to understand the bank's credit products, to see if there is suitable for their own understanding of the clear, you can call the bank customer service consulting can also be on-site consulting. Go to the bank to fill out the loan application form and bring your ID card, household registration, residence permit, work permit, marriage certificate and other relevant documents.
2. Pre-loan investigation. The bank is eligible to conduct a preliminary review of the loan applicant's personal data, and those who meet the requirements will be admitted to the next step of the loan process.
3. Loan approval. The approver will determine whether the loan will be approved based on the loan applicant's repayment ability, personal credit history, and guaranteed collateral.
4. Mortgage registration. If the loan applicant chooses to take out a mortgage, he or she will need to go through the relevant registration procedures after passing the approval process.
5. Loan issuance. The bank loan conditions and legally complete so that the program can be issued loans.