1. Can I apply for a loan if I raise cattle at home?

Yes. However, you need to apply for a special loan for targeted poverty alleviation.

Special loans for targeted poverty alleviation can generally only be used by poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation, farm restaurants, etc., and cannot be used for non-productive activities such as marriage and house building. , the specific development industries are determined by the guidance of the town and village levels

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development; at the same time, banks can also obtain loan interest income and increase their own accumulation.

For a long time after the founding of the People's Republic of China, China's banks did not grant loans to the fixed assets sector, and credit funds were mainly used to solve the working capital needs of enterprises. After 1979, we began to tap the potential, innovate, and transform the enterprise's production equipment, and issue technological transformation loans (short- and medium-term equipment loans) and a certain amount of infrastructure loans. From 1979 onwards, the investment in infrastructure was gradually changed from fiscal allocation to bank Loan methods. At the same time, banks' loans to the individual economy have also increased significantly.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return them within a time limit.

2. Can I get a loan for raising cattle?

I can get a loan for raising cattle, but I need to meet the corresponding loan conditions before I can get a loan for breeding.

Agricultural loans can be applied for loans from banks and credit unions.

1. The borrowing unit should be qualified as a person.

The borrower should have documents proving his legal identity.

2. The production and business projects engaged in by the borrowing unit must comply with national laws and regulations;

The conditions for materials, energy, transportation, etc. are implemented and have corresponding management levels;

The economic benefits are good and the loan can be repaid on time

3. The borrowing unit has an economic system that operates independently, is responsible for its own profits and losses, and has independent accounting. It has a reasonable income distribution method and can independently assume external claims and debts.

4. Borrowing units and individuals’ own funds, and large loans must be guaranteed by corresponding economic entities or have sufficient collateral.

5. The borrowing unit must open an account with the Agricultural Bank of China and a credit union, abide by its credit, accept the supervision and inspection of the bank and credit union, and submit financial reports on production and operation activities to the bank and credit union in accordance with regulations. Accounting statements and other economic information.

The production conditions are good, the technology is guaranteed, the products are marketable, the operation is capable, the repayment is guaranteed, and the project unit has various sound management systems.

Legal basis

"Agricultural Bank of China Agricultural Loan Project Management Regulations" No. 6

1. The project borrowing unit must comply with

2 . The project complies with the national industry, product and credit policies, and has project establishment documents and project plans, project proposals, feasibility study reports, and feasibility study report approvals approved by the competent authorities

3. The project unit has its own Have or self-raise funds to meet the prescribed proportion requirements.

IV. The project unit opens a basic account at the Agricultural Bank of China, submits relevant statements and accepts supervision

V. Loan project

"People's *** Article 668 of the Civil Code of the People’s Republic of China on the Form and Contents of a Loan Contract A loan contract shall be in writing, unless otherwise agreed upon by the borrower.

The content of the loan contract generally includes terms such as loan interest rate, term and repayment method

Article 669: The borrower shall provide true information when entering into a loan contract. Business activities related to the loan should be provided in accordance with the requirements of the lender

3. Can I get a loan for raising cattle?

You can get a loan for raising cattle, but you need to meet the corresponding loan conditions before you can proceed. Loan farming.

Agricultural loans must meet the following conditions before you can apply for loans from banks and credit unions. 1. The borrowing unit should be an economic entity and have legal person status. Borrowing individuals should have documents proving their legal identity. 2. The production and business projects engaged in by the borrowing unit must comply with national laws, policies, and agricultural regional divisions; materials, energy, transportation and other conditions must be implemented, and have corresponding management levels; the products must meet social needs, have good predicted economic benefits, and be able to meet deadlines Repay the principal and interest of the loan. 3. The borrowing unit is an economic organization that operates independently, is responsible for its own profits and losses, and conducts independent accounting. It has a sound financial accounting system, a reasonable income distribution method, and can independently assume external claims and debts. 4. Borrowing units and individuals should have their own funds that meet the prescribed proportions, and large loans must be guaranteed by corresponding economic entities, or have property sufficient to repay the loan as collateral. 5. Borrowing units must open accounts with the Agricultural Bank of China and credit unions, abide by their credit, accept the supervision and inspection of banks and credit unions, and submit financial accounting statements and other economic information related to production and business activities to banks and credit unions in accordance with regulations. The conditions for production are guaranteed, the technology is guaranteed, the products are marketable, the operation is capable, the repayment is guaranteed, and the project unit has various sound management systems. Legal Basis Article 6 of the "Agricultural Bank of China Agricultural Loan Project Management Regulations": Loan conditions: 1. The project borrowing unit must comply with relevant regulations. 2. The project complies with national industry, product and credit policies, and has project establishment documents and project plans, project proposals, feasibility study reports, feasibility study report approvals or economic and technical demonstration minutes approved by the competent authorities. 3. The project unit’s own or self-raised funds meet the prescribed proportion requirements. 4. The project unit opens a basic account at the Agricultural Bank of China, submits relevant statements and accepts supervision and inspection. 5. Loan Projects Article 668 of the People’s Republic of China and the Civil Code of the People’s Republic of China: Form and Contents of Loan Contracts The loan contract shall be in writing, unless otherwise agreed on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 669 The borrower shall be obliged to provide true information when entering into a loan contract, and the borrower shall provide true information on business activities and financial status related to the loan as required by the lender.

4. How much is the interest rate on a cattle loan?

If the state supports agriculture and animal husbandry, the interest rate will be relatively low, and the deferred interest rate will probably be around 5 to 8%