What are the conditions for rural people to borrow 654.38 million yuan?

In life, we need money badly for various unexpected reasons, but we can't prepare so much money at once. Some peasant families even have nothing and no mortgage certificate. So, what conditions do farmers need for loans? How to borrow 65438+ 10,000 with nothing?

1. What are the requirements for farmers' loans?

Farmers' loans generally depend on local policies and regulations. When applying for a loan, it is best to provide collateral or guarantee, which is more conducive to bank lending. Farmers applying for loans need to meet the following conditions:

1, with a fixed address and a local permanent residence and valid residence certificate;

2. The borrower has a stable income and the ability to repay the principal and interest;

3. Good personal credit record, no malicious default or evasion of bank debts, and willingness to accept bank credit supervision;

4. Open a personal settlement account in the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

5. Having the labor ability, basic skills and necessary facilities for planting, breeding or providing services for agricultural production;

6. Other conditions that the Bank deems necessary.

Second, how to borrow 65438+ 10,000 with nothing?

1. credit card installment payment

Now credit card is also a common choice for people to spend in advance. If the credit card overdraft limit is relatively high, the limit of 654.38+10,000 yuan can be directly used to pay for consumption.

2. Online P2P lending

Generally, this kind of online loan has to pay not only interest, but also guarantee fee, which is much higher than that of banks, so it should be carefully considered before borrowing.

3. Bank personal consumption loans

At present, all commercial banks provide consumer loans, and some consumer loan products are pure credit unsecured loans, which are well received by borrowers.

3. What are the loan methods?

1. Apply for micro-credit loan

To apply for small credit loans, farmers need to apply to the rural credit cooperatives where their household registration is located. The amount of this loan application is relatively small, and the loan amount is about 500-65438+10,000. Moreover, credit cooperatives in different regions have different requirements for farmers' qualifications. Farmers who are in urgent need of money can apply for loans.

2. Apply for mortgage loan for land contractual management right.

At present, the confirmation of rural land rights has been basically completed, and the land contractual management right certificate has also been issued. When farmers are short of funds, they can use the contracted management right of land as collateral and apply for loans from banks. Moreover, the procedures for mortgage loans are no longer as cumbersome as before. Farmers fill in the loan application form, prepare household registration books, ID cards, relevant registration certificates, commitment letters and other materials, and submit them to the bank to apply for loans.

3. Apply for mortgage loan of forest right certificate.

In rural areas, many farmers have forest ownership certificates. Before the loan, you need to prepare the application materials audited by the township government, such as ID card, forest right certificate and application form, apply to the bank and sign in the loan association.