As a farmer, he can certainly borrow money, as long as he has a certain repayment ability or has some kind of mortgage.

I am an ordinary farmer. How can I get a loan?

There are the following methods:

1, rural loans are generally easier to get from Agricultural Bank of China and rural credit cooperatives (rural commercial banks);

2. General farmers apply for loans only for specific projects; Provide identity cards, property rights, and most importantly, loan project plans;

3. There are no acquaintances, and the maximum loan does not exceed 654.38+ 10,000;

4. Interest is similar to normal interest, but it may fluctuate slightly according to the person and project you are looking for;

At present, the state has special funds for farmers, which basically go to towns and villages. You can consult the rural credit cooperatives. At present, China's policy towards farmers is quite good, but as you know, it tends to weaken to a certain extent. Loans require a lot of formalities. Of course, I will only talk about a few important components. First, the purpose of your loan is to do business, build a house, open a shop, or something. Banks will not lend money to people with no purpose or weak purpose. People who borrow money to do business are different from those who borrow money to buy a house. Buying a house is not liquidity, and there are opportunities for business development. Second, your repayment ability, the bank will not casually lend money to a person who can't afford it. Not in the' 80s, but it was borrowed then. Banks didn't think of repayment because of policy reasons, but now bank management has been institutionalized and standardized, so you have to have a complete repayment plan, and you have to give the bank a statement about how you want to repay. The bank has a lot of money. Why should he lend it to you? Third, the guarantee and mortgage, who is the guarantor? If there is no guarantor, is there anything valuable to mortgage? This is to prevent banks from having bad debts and bad debts. Now the bank also talks about this in business, and there are some relationships behind it. Relationships are more than just knowing a few people. You know him, but you haven't achieved these three points, you can't afford it, and you don't have a mortgage. Nobody dares to give you a relationship!

The above is the answer to your question, I hope it will be adopted, thank you!

Can migrant workers get mortgages? Just meet these requirements!

With the improvement of residents' income and the rapid development of cities, more and more people choose to settle in cities, and migrant workers as urban builders are no exception. Many migrant workers want to borrow money to buy a house in the city, but I don't know if they can. So, can migrant workers get mortgages? Let's introduce the relevant policies for everyone.

According to the regulations, migrant workers can borrow money to buy a house, but they need to meet certain conditions. Here are the conditions that migrant workers need to meet when applying for a mortgage.

The conditions for applying for a mortgage loan are:

1, aged between 18-65 years old, in good health and good personal credit;

2. Can provide legal and valid identification and proof of marital status;

3. The income is stable, and you can provide the bank with proof of salary income, bank running list and tax payment certificate.

4. Have the ability to pay down payment, and can provide commercial housing sales (pre-sale) contract or letter of intent;

5, must meet the local government's residence time requirements for property buyers, or social security payment time requirements.

Generally speaking, migrant workers can apply for mortgages, but they must meet the requirements of bank lending and local government housing purchase policies. Generally speaking, the limiting factor for migrant workers to buy a house is that it is difficult to produce proof of income, so everyone can ask their community for help.

Can rural credit cooperatives lend separately?

Rural credit cooperatives can also apply for loans. Users only need to apply for personal loans from rural credit cooperatives, such as personal credit loans and consumer loans. It would be much easier if there were collateral. You can apply for a mortgage loan directly from the bank, and the loan amount is higher than credit loans and consumer loans.

For married users, it is a personal behavior for individuals to apply for loans, as long as they are not applying for car loans or mortgages. Rural credit cooperatives will only review the lender himself, not the spouse.