1. You didn't sign at the lender, so you are not the repayment obligor.
2. If you don't sign at the guarantor, you won't undertake the guarantee obligation.
3. If the credit union is lax in examination and issues loans without your signature, then the credit union will bear the responsibility.
What are the requirements for applying for a loan in a rural credit cooperative?
1, with the ability to repay the principal and interest on schedule. The original perfunctory loan interest and due loans have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;
2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments;
3. The village has opened a basic account or general deposit account with a lending institution, and kept a certain amount of deposits in the account; Willing to accept the credit and settlement supervision and inspection of lending institutions, and being able to ensure that business plans, related affairs and financial statements are submitted to lending institutions on a regular basis;
4. If a guarantee or mortgage loan is required, there must be a guarantor, pawn or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. To comply with the "People's Republic of China (PRC) Security Law" and the provisions of relevant laws, regulations and rules. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
5. The asset-liability ratio of rural lenders shall not be higher than 70%.
6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and self-raised fund ratio should meet the requirements of the State Council, and complete, standardized and effective documents and materials should be submitted in accordance with the requirements of project management.
7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;