First, poor households can apply for loans, but do not accept interest-free loans unless the following conditions can be met:

1. The borrower has family difficulties and needs state support;

2. The borrower is honest and trustworthy;

3, the borrower to apply for loan support projects, is a national policy;

4. The borrower has full capacity for civil conduct and repayment ability.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

According to the decision of the Central Committee of the Communist Party of China and the State Council on solving the problem of food and clothing for the rural poor as soon as possible, these measures are formulated:

Article 2 National poverty alleviation funds refer to the funds specially arranged by the central government to solve the problem of food and clothing for the rural poor and support the economic and social development in poverty-stricken areas, including funds for supporting the development of economically underdeveloped areas, special subsidies for agricultural construction in the "Three Wests", new financial poverty alleviation funds, work-for-work funds and special poverty alleviation loans.

Article 3 National poverty alleviation funds shall be used in accordance with the overall objectives and requirements of poverty alleviation and development, so as to form a joint force and give full play to the overall benefits.

Article 4 All the national poverty alleviation funds must be used for poverty-stricken counties supported by the state, and the poverty-stricken townships, villages and households in poverty-stricken counties are the objects of capital investment, project implementation and benefit.

Article 5 The funds for supporting the development of economically underdeveloped areas and newly-increased financial poverty alleviation funds are mainly used to improve the production conditions of agriculture and animal husbandry in poor areas, develop diversified management, build rural roads, popularize compulsory education and eliminate illiteracy, carry out practical technical training for farmers, and prevent and control endemic diseases.

Second, how to apply for poor households?

Poor households handling process:

1. Submit an application to a bank that needs a loan;

2. Prepare various documents and materials required for the loan;

3. Go to the bank to sign the contract;

4. The bank conducts audit to check materials and personal information;

5. Approved and successful loans.

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Conditions for small-sum application of poor households:

1, aged between 18 and 60 years old, with a fixed residence, good health and no major diseases;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Lenders need to sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.

3. Can poor households apply for loans?

When poor households apply for loans, they can go directly to the local bank to understand the relevant policies, and they can submit materials after they meet the conditions. Loans for poor households generally need to be signed by government departments and lenders, and loans can only be used for projects such as planting, breeding and agricultural products processing for poor households. Loan conditions for poor households:

1. The lender must be between 18 and 60 years old, with legal and valid identification, fixed residence and full capacity for civil conduct;

2. The lender has no bad credit record, and the bank with bad credit will refuse the loan.

3. The activities that poor households engage in with loans comply with national laws and regulations and industrial policies;

4. Other requirements stipulated by the bank. When applying for a loan, you can evaluate your repayment ability. If the monthly repayment exceeds your personal affordability, you'd better give up such a loan, otherwise it will have a great impact on your life. Poor households should also evaluate the projects they operate and how much risk they have to bear when making loans. After submitting the materials, banks generally need about 20 days to review. If the audit fails, the bank will notify the lender through the reserved contact information, and if other materials need to be supplemented, the bank will also notify it in time; After the loan is approved, the bank will directly debit the lender's bank card.

Fourth, how to apply for loans from poor households?

Procedures for applying for interest-free loans from poor households