I am a rural hukou in Hubei. Can I borrow 30,000 yuan from my hometown rural credit cooperative? I want to borrow 30 thousand yuan to start a business in my hometown. What conditions do I need? Thank you. You can go to a rural credit cooperative for a loan. Need to apply for a "loan certificate" and bring a valid ID card to the credit union window.

1. Micro-credit loans for farmers refer to loans granted by rural credit cooperatives to farmers without mortgage or guarantee within the approved quota and time limit based on the reputation of farmers. At present, the loan amount generally does not exceed 50,000 yuan. This business has been widely welcomed by farmers since it was fully promoted in the whole country in 2002.

2. To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination.

3. It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.