Over the past year, the price of pork has soared, and many people have started to raise pigs and start businesses. Since starting a business needs funds, the state has begun to introduce a series of incentive measures. If necessary, everyone can apply for a pig loan to reduce the burden. What is the specific application process? Let's take a look today.

Pig loan application process

1 loan object: natural person engaged in legal production and operation.

Loan amount: The minimum amount of general pig loan is 50,000 yuan and the maximum amount is 3 million yuan.

3 loan term: the longest effective term of the pig loan credit line is three years, and the term of a single loan is generally not more than two years.

4. Loan interest rate: in accordance with the relevant regulations of the People's Bank of China and the Head Office.

5. Guarantee methods: there are three ways: mortgage, pledge and guarantee. Generally, guarantees provided by third parties are not accepted.

6. The application materials to be provided are as follows:

A. Original and photocopy of valid identity documents and marriage relationship certificates of the borrower and spouse.

B local permanent residence or local long-term residence certificate of the borrower and spouse.

C aquaculture production and operation license, and provide the original and photocopy of the business license of the relevant administrative department.

D, production and business activities of tax payment certificate.

E. proof that the borrower's spouse has promised to repay the loan.

F proof of the borrower's pledge right, list of mortgaged (pledged) goods and ownership certificate, written documents of the owner and the property agreed to be pledged or mortgaged.

G. Collateral appraisal report issued by the appraisal department recognized by the secondary branch of the bank (inclusive) or above.

Pig loan policy

First, a temporary loan discount policy was introduced. The central government will give a discount of no more than 2 percentage points to the working capital and construction fund loans of breeding pig farms and large-scale pig farms, support pig enterprises to expand their scale, ease the financial pressure and stabilize the pig production capacity.

Second, increase the scale of incentive funds for pigs to be transferred out of large counties. From 2065438 to 2009, the central government increased the scale of incentive funds for the transfer of live pigs from large counties, gave full play to the role of supporting and guaranteeing the transfer of live pigs from large counties, mobilized local governments to transform the potential of increasing production into actual production capacity as soon as possible, and promoted the recovery and expansion of live pig production from large counties.

Third, improve the coverage of live pig insurance. Temporarily improve the insurance coverage of fertile sows and fattening pigs, expand the insurance scale of fattening pigs, further enhance the anti-risk ability of pig breeding, and mobilize the enthusiasm of pig farms (households) to resume pig production.

The fourth is to support the implementation of subsidies for improved pig breeds, requiring all localities to rely on existing funding channels to support the construction of pig transport vehicle decontamination centers in large animal husbandry counties to further consolidate the foundation for the development of pig production.

Fifth, strengthen provincial financial co-ordination, explicitly require provincial financial departments to further strengthen the co-ordination function, effectively increase support for the stable production and supply of pigs, support the prevention and control of African swine fever epidemic, pig production and market supply, and ensure that relevant policies of the central and local governments take root.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Can I apply for a loan to run a pig farm?

You can apply for aquaculture loans. Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Legal basis:

Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Can I get a loan for raising pigs in rural areas?

There are many loan products in the market, which are divided into car loans, mortgage loans and consumer loans. According to the demand, there are some wonderful loan products, such as cosmetic loans. Then, can I get a loan to raise pigs in the countryside?

What I want to tell you is that you can apply for loans to raise pigs in rural areas. Generally speaking, raising pigs is a venture capital, and banks are generally reluctant to do this business. But if you have a certain scale, build a pigsty and enter a piglet, it should be easier to apply for a loan, or you can have something to mortgage and someone to guarantee you. Now banks can issue small loans.

In addition, you can also enjoy state subsidies:

1. For farms with more than 500 live pigs and more than 25 sows per year, which meet the requirements of establishing standardized scale farms stipulated by the state, each project will be given project funds ranging from more than 200,000 yuan. 20 10 reported this kind of project.

2. Sows can be insured, and the premium for each sow is 60 yuan, in which the state subsidizes 48 yuan for each sow, farmers pay the fee for each sow 12 yuan, and the insured amount for each sow 1000 yuan. In addition, free vaccination can be given to prevent compulsory immune diseases, such as swine fever, blue ear disease and foot-and-mouth disease.

Pig loan process

First, individual or enterprise pig loans.

Conditions: Need to have a house or other fixed assets as proof of low pressure; Need an adult as a guarantor; After communicating with the loan officer or director, submit the materials to the superior department of China Credit Cooperative for approval. As long as it is approved, you can go through the loan procedures.

Note: 1, class operability of the project. 2. Market prospect of the project. 3. The radiation effect of the project on the surrounding areas. 4. Government taxes, etc. 5. environmental protection.

Second, college students' entrepreneurial pig loans

College students' entrepreneurship loan is a government policy for college students' entrepreneurship. Since it is a national policy for college students' entrepreneurship, it is definitely different from direct bank loans. Risk funds have no interest and no mortgage. But there is a time requirement, and the validity period is only 5 years. Bring all the student ID cards and ID cards to the local government where your account is located, and when your local government gives you a certificate, you can go to the bank designated by the government for a loan.

What are the conditions for a pig loan?

Application conditions:

(1) has full capacity for civil conduct, good health, strong credit concept, good credit status and no bad social and commercial credit records;

(2) Age 18 years old (inclusive) to 50 years old (inclusive), with local hukou;

(3) The loan is used properly and reasonably, the merchant has been in normal operation for more than 3 months, and the farmer has been in normal production for more than 65,438+0 years, and has the ability to undertake and repay the loan.