Although agriculture is developing rapidly now, there are still many traditional farmers who contract for farming, which is their only way out. No matter what you do, you need a certain amount of money, so can you apply for a loan in the countryside? In fact, there are many loan products. Let's briefly introduce the loan products suitable for contractors today.
First, the contractor loan.
In fact, there are many entrepreneurial farmers in rural areas who earn profits through contracting. Business-related loans refer to loans granted by banks to agriculture, forestry, animal husbandry, fisheries, industry, handicrafts, commerce, service industry, production service industry and other contractors for starting businesses.
Two. Types of auxiliary loans
(1) agricultural loan of the contractor;
(2) Forestry loans from contractors;
(three) the contractor's animal husbandry loan;
(4) the contractor's fishery loan;
(5) Handicraft and industrial loans of the contractor;
(6) Contractor's service loan;
(7) The contractor's production service loan.
Different banks have different standards. Basically most banks have similar products. You can consult rural credit cooperatives, agricultural banks and city commercial banks, and there will be relevant policies.
3. Can rural areas apply for loans?
Of course. Different from individual or small and medium-sized enterprise loans, rural contracted loans need to obtain certificates and business licenses recognized by relevant departments. To apply for auxiliary loans such as rural animal husbandry, you must hold a "contract" or certificate signed with rural economic organizations.
Rural loan amount:
1. If it is suitable for production, the loan amount generally does not exceed 60% of the product sales revenue or annual net income in a production cycle, and it must have 30%~50% of its own funds;
2, production equipment loans, the amount is generally not more than 50% of the equipment price.
How to borrow money for rural hukou?
With the current economic development, many young people are considering investing in entrepreneurship, and often entrepreneurship is not an easy task and requires sufficient capital investment. Therefore, many people consider loans, so that they can have enough funds to start businesses and have better development. So many people are consulting. If it is a rural hukou, how can they get a loan? Next, learn from Bian Xiao!
How to borrow money for rural hukou?
At present, the state's support for agricultural loans is still very strong. Considering that many rural areas have insufficient effective mortgage collateral, micro-credit loans and joint guarantee loans issued by rural credit cooperatives can provide services. In addition, all banking financial institutions can issue in the countryside. When applying for a loan, you can apply to the rural credit cooperatives and bring your ID card and household registration book. The loan policy of rural credit cooperatives to farmers will be more relaxed, and you only need to issue relevant materials to handle loan matters.
Farmer loan policy
1, relax the object. The service scope will be extended to all kinds of rural individual industrial and commercial households, business households and various micro-enterprises, including some small-scale processing households, transport households, contract farmers, agricultural products circulation households, migrant workers, large breeding households and other urban and rural "three rural" individual business households.
2. Increase the quota. According to the local economic level in rural areas and the lender's solvency, income level, production and operation status and credit status, the rural loan amount is provided according to local conditions, and the general amount is between 6,543,800 yuan and 300,000 yuan, as long as the principal and interest can be repaid in time.
Bian Xiao's conclusion: The above content is about how to get loans from rural hukou. I hope I can help you. I believe that after reading the above, you will know more about the rural hukou loan policy. If there is a loan demand in the future, you can refer to it.
How to borrow personal loans in rural areas
1. The user shall first submit the personal basic information materials and the loan use certificate opened in the village to the relevant bank;
2. The bank will carefully review the information submitted by the user to see if the user has a criminal record and so on. If it is a rural self-employed, Gao Ying may also investigate its operation;
3. If there is no problem in the audit, the loan bank will sign a loan contract with the user to prepare the loan.
The above is how rural individuals apply for loans.
Rural personal loan mode
1, Postal Savings Bank: Because the Postal Savings Bank mainly pays for all matters related to rural production activities, such as farmers' planting or breeding, animal husbandry, etc. Support rural economic development;
2. ABC farmers: Loans are also given to rural families. If family members have financial needs, they can apply for such loans from the Agricultural Bank, and need a guarantor or mortgage or pledge;
3. Personal micro-credit loan of credit cooperatives: this loan is also a micro-credit loan for rural individuals, and the loanable amount is usually not very high;
4. Cooperative farmers' joint guarantee loan: it is mainly a loan that several farmers can apply for by forming a joint guarantee team and guaranteeing each other.
This article is mainly about how rural individuals apply for loans, and the content is for reference only.
So much for the introduction of agricultural loans.