To apply for an animal husbandry loan, the borrower must meet the following conditions:
1, has a fixed residence in the local area and has lived for more than one year. Having a valid identity certificate and a valid residence certificate;
2. If the age is above 18 years old (inclusive), the age is borrowed.
The payment period shall not exceed 65 years;
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, both husband and wife at the time of borrowing.
Signature; One original and photocopy of the guarantor's valid ID card and asset certificate.
At the same time, regarding the guarantee method of such loans, Yi Bianxiao told everyone that according to the regulations, borrowers need to provide mortgage guarantee when applying for loans, and three (five) households jointly guarantee. The specific content is:
1. Mortgage guarantee: mortgage the guarantor's property (house, land, vehicle).
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 joint guarantee: the borrower needs to form a joint guarantee team or find a guarantor to guarantee.
The ID card will be applied to the outlets providing small loans for investigation and approval. After signing the contract, you can get the loan.
Here, regarding its loan procedures, Loan Easy Xiaobian will talk about it for everyone, hoping to help borrowers.
1. Loan application: You should fill in the aquaculture loan application form and submit a copy of your ID card, marriage certificate and three (5) co-sponsors 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 investigate the property ownership, geographical location and realization of collateral on the spot.
Ability, etc. , put forward the investigation opinions and send them to the loan review office.
3. Loan review: the loan bank verifies the borrower's relevant procedures, and proposes a loan after confirming the efficiency of loan use and the reliability of debt service.
Not to lend, and put forward suggestions on loan mode, amount, term interest rate and repayment mode, and submit them to the loan review meeting 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 to strictly examine the purpose of the loan and whether the guarantor's assets are still there.
Finally, loans are easy to remind borrowers. What should you do if you 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 time, the personal loans overdue shall last for 3 months within the term of 1 (inclusive), and shall not last for 3 consecutive months or 6 months in total within the term of 1.
If the principal and interest of the loan can be repaid on a monthly basis, the lending bank has the right to require the collateral to be disposed of in accordance with the provisions of the Guarantee Law, or to require the joint guarantor or guarantor to perform its responsibilities.
I found it online. I hope it can help you.