How to get a rural personal loan

1. The user first submits basic personal information materials and the loan purpose certificate issued by the village to the relevant bank;

2 , the bank will carefully review the information submitted by the user to see whether the user has any illegal or criminal records, etc. If it is a rural self-employed person, Gao Ying may also investigate its business operations;

3. If there are no problems in the review, the lending bank will sign a loan contract with the user and prepare to lend.

The above is the relevant content on how rural individuals apply for loans.

Rural personal loan methods

1. Postal Savings Bank: Because Postal Savings Bank mainly provides farmers with a loan for all matters related to rural production activities such as planting or breeding, animal husbandry, etc. , to support rural economic development;

2. Agricultural Bank of China farmers: This loan is also aimed at rural families. If members of the family have financial needs, they can apply for this type of loan from the Agricultural Bank of China. The loan requires a guarantor or a mortgage or pledge;

3. Credit union personal small credit loan: This loan is also a small loan issued to rural individuals. The loan amount is usually not very high;

4. Credit cooperative farmer joint guarantee loan: It is mainly a loan that requires several farmers to form a joint guarantee group and guarantee each other.

This article mainly writes about knowledge points about how rural individuals apply for loans. The content is for reference only.

How to apply for agricultural loans?

Application conditions

Although agricultural loan objects have the characteristics of a wide range and numerous objects, they are not endless. Only those who meet the following conditions can apply for loans from banks and credit unions.

The borrowing unit should be an economic entity and have legal personality. Borrowing individuals should have documents proving their legal identity.

The production and operation projects engaged by the borrowing unit must comply with national laws, policies and agricultural regional divisions; materials, energy, transportation and other conditions must be implemented, and have corresponding management levels; products must meet social needs and predict the economy The benefits are good and the principal and interest of the loan can be repaid on time.

The borrowing unit is an economic organization that operates independently, is responsible for its own profits and losses, and conducts independent accounting. It has a sound financial accounting system, a reasonable income distribution method, and can independently assume external claims and debts.

Borrowing units and individuals should have their own funds that meet the prescribed proportions, and large loans must be guaranteed by corresponding economic entities, or have property sufficient to repay the loan as collateral.

The borrowing unit must open an account with the Agricultural Bank of China and a credit union, abide by its credit, accept the supervision and inspection of the bank and credit union, and submit financial accounting statements related to production and operation activities to the bank and credit union in accordance with regulations. and other economic information.

Basic procedures

Accept loan applications. In accordance with the requirements of the loan regulations, the borrower submits a written loan application to the local bank where the account is opened, and attaches relevant information. If there is a guarantor, include relevant information of the guarantor.

Loan review. After accepting the loan application, the bank where the account is opened will conduct a comprehensive review of the feasibility of the loan, including filling in the borrower's basic information register, or the personal loan basic information register and the borrower's financial statistical analysis form, etc.

Loan approval. For loan applications that meet the loan conditions after review and evaluation, loan decisions will be made in accordance with the loan approval authority and loan approval procedures will be completed.

Sign a loan contract. For loans that have been reviewed and approved, both parties to the loan shall sign a written loan contract in accordance with the "Loan Contract Regulations" and relevant regulations.

Loan disbursement. Handle loan procedures based on the loan contract signed by the borrower and the borrower and the reasonable funding needs for production, operation, and construction.

Create a loan register.

Create a loan file. They are established separately according to borrowers, and the files must record the borrower's basic information, production and operation conditions, loan disbursement, credit sanctions, loan inspections, and economic activity analysis.

Loan supervision and inspection. After the loan is released, the borrower's implementation of the loan policy and loan contract shall be supervised and inspected, and policy violations and breach of contract must be promptly corrected.

Recover the loan on time. It is necessary to insist on recovering the loan according to the loan period agreed by both parties. Before the loan expires, the borrower is notified in writing that the borrower is prepared to repay the principal and interest of the loan.

If the borrower cannot repay the loan on time due to legitimate reasons, the borrower can apply for an extension of repayment before maturity. After the bank's review and approval, the loan will be recovered according to the agreed period.

Handling of abnormal occupation loans. It is necessary to carry out monitoring and assessment, but also to take corresponding effective measures to deal with different situations.

Extended information:

Compared with industrial and commercial loans, its main features are:

Longer term. The agricultural production cycle is long and slower than that of industry and commerce. Therefore, agricultural loan terms are also longer than industrial and commercial loans.

The interest rate is lower. Agricultural production is greatly affected by natural conditions and carries high risks; at the same time, agricultural conditions have a great impact on the development of the entire national economy.

Therefore, in order to achieve social stability, the governments of many countries have implemented policies to encourage and support low-interest agricultural loans. Agricultural producers' own credit cooperatives also implement the principle of low-interest loans, and some are subsidized by the government to provide interest-free loans.