1. Conditions for application: (1) Applicants are rural youths, college students and migrant workers between the ages of 18 and 5 with full capacity for civil conduct; (2) Apply for a bank card at the bank; (3) Good credit record, no record of loan default, no record of bad behavior such as violation of laws and regulations; (4) The daily income is stable, and it has the ability to pay interest on each installment and repay the final loan; 5] Comply with other relevant regulations of the loan bank.
2. Application steps: (1) First, I take the application materials to the bank where I want to apply for a loan; (2) In the bank, the application form is filled in under the guidance of relevant personnel; (3) After the approval of the bank, the bank will inform us to go to the bank to sign the loan-related contract; After the contract is approved, the bank will transfer the loan money to our account.
At present, the country has not stipulated the amount of loans for farmers, so how much rural loans can be borrowed now mainly depends on the applicant's credit conditions and the purpose of the loans. If it is feasible, the amount that can be borrowed will be higher, or it may be millions; If it is personal consumption, it ranges from thousands to tens of thousands.
a farmer's small loan can only be applied by a family member in a rural household.
Small loan for farmers is a more flexible method of loan. When farmers meet the conditions, they can apply for loans by various means, such as guarantee, mortgage, pledge, and farmers' joint guarantee.
farmers' small loan payment methods are flexible. According to the different payment methods, farmers' microfinance can be divided into self-help and general methods. Under the self-service recovery mode, the borrower can borrow and repay at will within the approved maximum amount and the longest period, and withdraw and repay through self-service loan; Generally speaking, our bank provides a one-time loan to the borrower and then recovers it in one lump sum or in batches. The specific payment method shall be determined by the borrower and the bank through consultation.
Compared with other loans, farmers' small loans save interest. Under the self-service recovery mode, the interest of farmers' small loans is calculated according to the actual days of loan use, which can minimize the interest expenses of borrowers.