Rural low-income households can apply for loans, but generally they can't provide guarantees. For commercial bank loans, the borrower shall provide a guarantee and strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial banks shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

legal basis

Article 36 of the Law of the People's Republic of China on Commercial Banks

The borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral and pledge, and the feasibility of realizing mortgage and pledge.

after examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can really repay the loan, and no guarantee may be provided. Low-income households can borrow

urban low-income households can also borrow, and bank loans are mainly based on personal income and other aspects.

1. Conditions for applying for a bank loan

1. Having reached the age of 25, having full capacity for civil conduct and having a permanent residence or valid residence certificate in China

2. Having a fixed occupation or stable economic income, and being able to guarantee the ability to repay the principal and interest on schedule

3. Having a good credit record and no bad credit record

4. Being able to provide bank approval, Legal and effective guarantee

Second, apply for personal bank loan materials

1. ID card, household registration certificate of marital status, Income certificate, real estate title certificate

2, guarantor's ID card, household registration book, proof of marital status

3, business license and tax payment certificate of individual owner

4. If the loan applied for requires guarantee (including mortgage and guarantee), guarantee materials should be submitted

Extended information:

repayment method. It is only applicable to small loans for merchants with a loan term of less than 3 months (inclusive) and small loans for farmers with a loan term of less than 4 months (inclusive)

2. Equal principal and interest repayment method

3. Phased equal principal and interest repayment method

Only the loan interest is repaid during the grace period, and the loan is repaid according to the equal principal and interest repayment method after the grace period. For small loans for merchants, The longest grace period for loans is 4 months

For farmers' small loans, the longest grace period for loans is 1 months. Provincial branches should reasonably determine the longest grace period for local loans within the longest grace period according to the agricultural production cycle or capital turnover.

Baidu Encyclopedia-personal loans for banks

Baidu Encyclopedia-personal loans for banks

Baidu Encyclopedia-can people who guarantee small loans for banks borrow money?

Low-income households can also apply for loans, and the employment unemployment registration certificate can apply for a small secured loan, with a maximum loan of 1, yuan and a loan period of two years.

Application materials

1. Application for small loan (in triplicate)

2. Copy of household registration book (in triplicate)

3. Copy of ID card (in triplicate)

4. Copy of rental agreement or proof of own property (in triplicate)

5. Copy of industrial and commercial license, health permit, etc. Copy of the re-employment concession card (1-2 pages in triplicate)

8. Other materials required by the loan bank

The above copies must be made on A4 copy paper, and the original

extended materials

The families enjoying this treatment are mainly the following four categories:

1. Residents (villagers) who have no financial resources, no ability to work and can't determine their dependents.

2. Residents (villages) who have not been re-employed during the period of receiving unemployment benefits or after the expiration of unemployment benefits, and their per capita monthly income is lower than the municipal minimum living standard;

3. Residents (villages) whose family per capita monthly income is still lower than the municipal minimum living standard after the employees receive wages or minimum wages and retirees receive pensions;

4. Residents (village) whose per capita monthly income of other families is lower than the minimum living standard of the city (excluding the five-guarantee recipients).

Baidu Encyclopedia-Can low-income households apply for loans?

Under normal circumstances, they can apply for loans, as long as they are guaranteed to have legal and effective guarantees, sources of income that are in line with the facts, and uses that are in line with the law.

However, ordinary banks need the applicant to provide a guarantee, and some low-income households may not be able to provide it, so it will be more troublesome to apply. However, some banks have special poverty alleviation projects, and they can apply for it as long as they produce the government agency's proof of the applicant's status and use.

How to apply for loans for low-income households

(1) Conditions for applying for loans

1. Natural persons aged 18-6 (Hong Kong, Macao and Taiwan, mainland China and foreigners are also allowed);

2. Have a stable job, a stable income and the ability to repay the loan principal and interest on schedule;

3. The actual age of the borrower plus the loan application period should not exceed 7 years old;

(II) Materials to be provided by the borrower

1. Identity cards of husband and wife, household registration book/temporary residence permit and household registration book for foreigners;

2 copies of marriage certificate/divorce certificate or court judgment/single certificate;

3. proof of income (format specified by the bank);

4. A copy of the business license of the employer and its copy (with official seal);

5. Credit certificate: including academic certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

(3) procedures for bank loans for low-income households