To invest in agriculture, both the mortgagor and the cooperative can borrow from the bank, and the loan amount depends on the appraised price of the mortgaged assets. If it is a cooperative, it depends on the scale of operation and scale of the cooperative.
Second, how to do the interest-free loan of the Agricultural Bank?
You can apply for a commercial loan from the bank. Venture loan is a kind of bank loan business, which is mainly aimed at individuals who have certain production and operation ability or are engaged in production and operation activities. They apply for start-up or restart funds and get loans after being confirmed as effective guarantees by banks. Eligible lenders can get a single loan of up to 500,000 yuan according to their personal situation and repayment ability; If the business reaches a certain scale, you can apply for a higher loan. The term of venture loans is generally one year, and the longest is not more than three years. In addition, in order to support laid-off workers to start businesses, some regions also have some relevant policies to support them, such as lowering interest rates and allowing laid-off workers to enjoy 60% preferential government commercial loans. With the state's support for individual entrepreneurship, future entrepreneurial loans will receive more preferential policies. \ \ Basic conditions for applying for venture loans \. Identity certificate and business premises \ \ The loan applicant must have legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities. \. Funds prove that the loan applicant has certain self-owned funds for the investment project. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. \. Settlement Account \ \ The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. \. Loan Guarantee \ \ Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly. Pay attention to three points when applying for venture loan. To correctly understand entrepreneurship \ If the entrepreneur only has a business plan, but there is no specific business place and approval documents, the bank will not provide venture loans. There are also some personal consumption loans to be distinguished from entrepreneurial loans, which are generally not supported by banks. The change of bank interest rate should be understood, because according to the regulations of financial supervision department, banks can raise or lower the loan interest rate within a certain range when issuing commercial loans. For example, the loan interest rate of many local banks can rise by 30%. Relatively speaking, the loan interest rate of state-owned commercial banks is low, but the procedures are strict. If your loan procedures are complete, you can compare the loan interest rates and other extra charges of various banks and choose a bank with low cost. \. Reasonable loan term \ \ Bank loans are generally divided into short-term loans and medium-and long-term loans. The longer the loan term, the higher the interest rate. If entrepreneurs don't spend too long, try to choose short-term loans. For example, they can borrow a loan once a year for two years, which can save interest expenses. \ \ In addition, we should also pay attention to the trend of interest rate in venture financing. If the interest rate trend is high, you should apply for a loan before raising interest rates, so that you can enjoy the low interest rate before raising interest rates that year; If the interest rate trend tends to decline, the loan will be suspended when the capital demand is not urgent, and it will be handled in due course after the interest rate is lowered. \ \ Which banks provide entrepreneurial loans \ \ At present, China Industrial and Commercial Bank, China Bank, China Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications have all launched personal entrepreneurial loans. For example, the personal venture loan launched by Qingdao Branch of Agricultural Bank of China is aimed at specific subjects such as individual industrial and commercial households, investors of sole proprietorship enterprises, and partners of individual partnerships, and is mainly used for their entrepreneurial operations to purchase or lease shops, purchase machinery and equipment, and purchase raw materials. The following are the details of four banks that provide personal business loans. \. China Industrial and Commercial Bank of China's pioneering loan business \ \ Industrial and Commercial Bank of China has been strictly handling the loan business, and it is difficult for individuals to pass the examination and approval due to incomplete application materials. See table 1 for details. Bank of Communications Venture Loan \ \ Bank of Communications Venture Loan is relatively easier to apply for and has a lower interest rate than ICBC. See Table 2 for details. Shenzhen Development Bank's "Chuangyebao" personal exhibition loan "Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for lenders to engage in production and business activities. \ \ Loan term: generally not more than three years, of which the longest working capital loan is not more than one year. \ \ Loan interest rate: The loan interest rate shall rise appropriately with reference to the same level of liquidity loan interest rate of Shenzhen Development Bank in the same period, and the fluctuation range shall be implemented in accordance with the regulations of the People's Bank of China on interest rate fluctuation of small and medium-sized enterprises. \ \ Loan amount: The minimum loan amount is 20,000 yuan and the maximum loan amount is 8 million yuan. \ \ Loan conditions for personal investment and operation loans of China Bank: To apply for personal investment and operation loans, the lender must meet the following basic conditions: having permanent residence in cities and towns or valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; It is in good operating and financial condition; Can provide effective guarantee recognized by the lender. \ \ Loan amount: The starting point of the loan is RMB 30,000, and the maximum is RMB 6,543.8+million. \ \ Loan term: the longest is not more than three years. \ \ Loan interest rate: The fixed interest rate of the same grade of the People's Bank of China shall be implemented, and it shall rise appropriately. \ \ General procedures for applying for venture loans \. Preparation materials \ \ These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. \. Fill in the application form \ \ The applicant puts forward the demonstration requirements to the loan guarantee recommendation institution or the opening expert with the opening plan (or loan project book). Those who pass the demonstration can apply for a business loan. \. After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the requirements of the opening loan, it shall sign a recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. \. Identity Confirmation \ \ The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the Loan Account Opening Application. \. Bank Acceptance \ \ The applicant submits a loan application to the designated bank acceptance point with the Application for Opening an Account for Entrepreneurship Loan signed with recommendation opinions and identity confirmation opinions, and provides relevant materials. \. Loan Review \ \ The bank shall make comments on loan review within 10 days from the date of acceptance, fill in comments in the column of bank review comments in the Application for Loan Account Opening, and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. \. Handling Loan \ \ After the accepting bank obtains the loan guarantee opinion, it can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days. \ \ How to repay the entrepreneurial loan \ \ There are generally two repayment methods for individual entrepreneurial loans. One is a loan with a loan term of less than one year (including one year), in which the principal and interest are repaid once at maturity, and the benefits are paid off with the principal; The other is a loan with a loan term of more than one year. The repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. \ \ A little knowledge \ \ Equal repayment of principal and interest \ \ Equal repayment of principal and interest refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period, so that the company's revenue and expenditure can be controlled in a planned way because the monthly repayment amount is fixed, and it is also convenient for the company to determine the repayment ability according to its own revenue. \ \ average capital repayment method \ \ average capital repayment method is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, at the beginning, due to the large amount of principal, more interest will be paid, so that the initial repayment amount is more, and then it will be reduced every month. This method is more suitable for individual entrepreneurs with strong repayment ability and certain financial strength. \ \ What are the difficulties in applying for business start-up loans \ \ First of all, business start-up loans of general banks need to be mortgaged, and the loan amount is determined according to specific guarantee methods. After all, banks are commercial organizations, and the first consideration in granting loans is the safety of funds. In contrast, most entrepreneurs have no guarantee or insufficient guarantee, and financial institutions can't issue loans to them, thus forming a very embarrassing situation for both sides; Secondly, if there is no real estate such as real estate as collateral, banks generally require a guarantor, which makes many entrepreneurs discouraged. After all, the business of venture loan itself has certain risks, so even if you find a qualified guarantor, you may not be willing to make a guarantee, which is undoubtedly another difficulty of venture loan. \ \ How to improve the success rate of application \ \ Banks generally favor lawyers, doctors, civil servants, employees of public institutions and people in the financial industry. Such people are listed as priority targets for credit loans. If there is such a relative, it is easier to apply for a loan in his name. \. Choose industries with good development prospects \. Consider some industries encouraged by some countries with good operating efficiency and large business scope, so that it is easier to obtain bank loan support. \. Find a professional guarantee company \ \ If you really need funds urgently and lack collateral that meets the requirements of the bank, you can consider finding a professional guarantee company. However, it will cost the guarantee company a lot of money. According to the relevant regulations, the guarantee company will charge the lender no more than 50% of the bank loan interest in the same period, and some companies will also charge some risk compensation in other names.
Third, how much money can farmers borrow at most now?
How much can I borrow now?
4. Can the Agricultural Bank lend money? How to get a loan?
If you need to apply for a self-service loan, Agricultural Bank of China has launched an online loan business. At present, you can apply through personal online banking and pocket banking (currently only second-generation KBao customers are supported), which can be automatically approved and quickly received.
If you have a savings card of the Agricultural Bank of China, you can log in to the pocket bank and click "All → Online Loan → Apply Now", or log in to the personal online banking and click "Loan → Online Loan → Apply Now" to enter the application page.
The maximum loan amount is 300,000 yuan and the minimum is 3,000 yuan; The specific amount of the customer will be approved according to the customer's business situation in ABC.
The term of NetJet loan is less than one year, and it can be repaid in advance.
The borrower handles the prepayment business through the following self-service channels.
Repayment of personal bank loan: log in to personal bank loan, click "More-Online Loan-My Online Loan" and click "Repayment".
Personal online banking repays online loans: log in to Fashion Online Banking, click "Loan-Online Loan-My Online Loan" and click "Repay".