To apply for a loan for grazing, the borrower must meet the following conditions:

1, has a fixed residence in the local area and has lived for more than one year. Holding valid identity documents and valid residence certificates;

2. If the age is above 18 (inclusive), the age is borrowed.

The payment period shall not exceed 65 years of age;

3. Good health and full capacity for civil conduct;

4. Being able to provide the guarantor, mortgage (pledge) and legal and effective guarantee procedures recognized by the loan bank;

5, at least half

At least 3 years experience in aquaculture. At the same time, the following application materials need to be provided: the lender's valid ID card, the original household registration book and its copy or the original household registration certificate; Marriage certificates of both husband and wife of the borrower, and both husband and wife at the time of borrowing

Sign; One original and photocopy of the guarantor's valid ID card and asset certificate.

At the same time, regarding the guarantee method of this kind of loan, Yi Bianxiao told everyone that according to the regulations, the borrower applies for a loan to provide a guarantee with mortgage guarantee, and three (five) households jointly guarantee it. The specific content is:

1. Mortgage guarantee: mortgage the property (house, land, vehicle) of the guarantor.

During the mortgage period, the guarantor shall not transfer, buy or sell or transfer the ownership at will. After the borrower pays off the loan principal and interest, the collateral shall be returned to the guarantor.

2. Three (five) households guarantee: the borrower needs to form a guarantee team or find a guarantor.

The ID card will be applied to the outlets that provide small loans for investigation and approval. After signing the contract, you can get a loan.

Here, regarding its loan procedures, Xiao Bian of Loan Easy will talk about it for everyone, hoping to help borrowers.

1. loan application: fill in the application for aquaculture loan, submit a copy of ID card, marriage certificate and three (5) co-guarantors or guarantors.

And other relevant information.

2. Loan investigation: the loan bank can investigate the borrower's information and repayment ability to verify the guarantor's guarantee ability and credit status; And field investigation of property ownership, geographical location and the realization of collateral.

Ability, etc. , put forward the investigation opinions and send the loan review.

3. Loan review: The loan bank verifies the relevant procedures of the borrower, and proposes the loan after confirming the use efficiency of the loan and the reliability of debt service.

Not to lend, and put forward suggestions such as loan method, amount, term interest rate and repayment method, and submit them to the loan review Committee for approval.

4. Loan approval: The lending bank will finally decide whether to lend according to the investigation and review opinions.

Decision on type, amount, term, interest rate and repayment method.

5. Signing a contract: If the loan is agreed, the lender and the borrower sign a loan contract face to face. (Remarks: Both husband and wife of the borrower must be present to confirm their signatures.

Words. )

6. Loan issuance: The loan bank will issue the loan to the borrower within the time limit stipulated in the contract and transfer the loan to the deposit account or credit card account opened by the borrower in the bank.

7. Post-loan management: loan officers at least once a month.

Go to the site once or twice, strictly review the purpose of the loan, and whether the guarantor's assets are still there.

Finally, loans are easy to remind borrowers. What should I do here if I don't repay the loan principal and interest on time? According to the regulations, if the borrower fails to repay the principal and interest on schedule, the individual loans overdue shall be within 1 (inclusive) for three consecutive months, and within 1 for three consecutive months or six months in total.

If the principal and interest of the loan can be repaid on a monthly basis, the lending bank has the right to require the disposal of the collateral in accordance with the provisions of the Guarantee Law, or to require the joint guarantor or the guarantor to perform its responsibilities.

I found it online. I hope I can help you.