1. Personal consumption loan: used to meet consumer needs such as living expenses and purchase of furniture and household appliances.
2. Housing loan: used to buy or improve self-occupied real estate, usually with a large amount and a long repayment period.
3. Working capital loans of rural credit cooperatives: mainly used for rural production and operation, planting and breeding, etc. , with certain preferential policies and flexibility.
4. Small and micro enterprise loans: If village community cadres are also small and micro enterprise owners, they can consider this kind of loans to expand business scale and update equipment, and there are also certain preferential policies.
Does this year's rural poverty alleviation loan need the signature of the village secretary?
Yes Poverty alleviation loan is a policy loan business undertaken by relevant domestic financial institutions and an important part of China's poverty alleviation and development. In 2022, the rural poverty alleviation loan needs the signature of the village secretary. The village party secretary is the abbreviation of the village party branch secretary. The village party branch is the most basic party organization in the Communist Party of China (CPC).
My ID photo was sent to the village cadres. Can village cadres borrow100000?
That depends on what you sent the photo of your ID card to the village cadres for. If you ask him to help you with the loan, then people can borrow100000. If it is used for other purposes, then he has no right to take your ID card for a loan. If you don't know about it, you can ask him.
Can the village Committee act as an agent to guarantee loans?
Village committees generally cannot be guarantors. If the villagers' committee provides a guarantee, the guarantee contract is invalid, except that the villagers' committee, as a village collective economic organization according to law, provides a guarantee to the outside world in accordance with the discussion and decision procedures stipulated in the Organic Law of Villagers' Committees.
legal ground
Article 5 of the Interpretation of the Supreme People's Court on the Application of Relevant Guarantee Systems.
Where an organ or legal person provides a guarantee, the guarantee contract shall be invalid, except for the use of loans from foreign governments or international economic organizations with the approval of the State Council.
If the residents' committee or villagers' committee provides external guarantee, the people think that the guarantee contract is invalid, except that the villagers' committee, which is a village collective economic organization according to law, provides external guarantee in accordance with the procedure of discussion and decision stipulated in the Organic Law of Villagers' Committees.
Can the village committee guarantee the loan?
Village committees can be guarantors in principle, but they belong to mass autonomous organizations after all. The village Committee itself has no independent property, and the property of the village Committee belongs to the village Committee. Therefore, once the guarantee is provided for others, and the repayment period expires, the construction unit (debtor) cannot repay, the village Committee will bear the repayment responsibility, which disposes of the village Committee's property and damages the collective interests. Therefore, the village committee must convene a villagers' meeting as a guarantor, which is approved by more than half of the participants.
Legal basis:
the peoples republic of china law of organization of villager committee
Article 22 When a villagers' meeting is held, representatives of more than half of the villagers aged over 18 or more than two thirds of the households in the village shall attend, and the decisions made by the villagers' meeting shall be passed by more than half of the people present. Where the law provides otherwise for convening villagers' meetings and making decisions, such provisions shall prevail.
Twenty-fourth the following matters involving the interests of villagers must be discussed and decided by the villagers' meeting before they can be handled:
(a) the village to enjoy the subsidy and subsidy standards;
(two) the use of the village collective economic income;
(three) the establishment of public welfare undertakings in the village, fund-raising and labor-raising plans and construction contract plans;
(four) the land contract management plan;
(five) the village collective economic project approval and contracting scheme;
(six) the plan for the use of homestead;
(seven) the use and distribution plan of land acquisition compensation;
(eight) to dispose of the village collective property by borrowing, leasing or other means;
(nine) other matters involving the interests of the villagers, which should be discussed and decided by the villagers' meeting.
The villagers' meeting may authorize the villagers' representative meeting to discuss and decide the matters specified in the preceding paragraph.
Where the law provides otherwise for discussing and deciding the property and rights and interests of members of village collective economic organizations, such provisions shall prevail.
Is it illegal for village cadres to lend money to village committees?
It is not illegal for a village director to borrow money from others in the name of the village Committee during his tenure. It is illegal for the village director to lend money to himself to squander or use it. If the circumstances are serious and suspected of committing a crime, criminal responsibility shall be investigated according to law.