Farmers' Anjule" house purchase loans refer to loans issued by Sichuan Rural Credit Union banks (cooperatives) to qualified farmers for the purchase of ordinary commercial housing in cities and towns.

Applicable objects :

Have membership in rural collective economic organizations, enjoy the rights and interests of collective economic organizations, or are new farmers with urban household registration for less than 1 year (including 1 year); are in good health and have full civil capacity and labor capacity , aged above 18 years (inclusive) and below 55 years old (inclusive)

Features and advantages:

1. Long loan period - the maximum period can be up to 30 years.

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2. High loan amount - the maximum loan amount can reach 75% of the market value of the house purchased

3. Low interest rate - the daily loan interest rate is low and economical.

< p>4. Low financing costs - no fees are charged during the loan processing process, the loan is returned early, and early repayment compensation is waived

5. Enjoy the green channel for loans - for qualified farmers who want to buy houses in the city. Submitted housing loan applications can be accepted with priority and processed within a limited time.

6. Flexible repayment methods - you can apply for "flexible repayment" multiple times through mobile banking and online banking.

Application conditions:

1. Have a fixed residence or stable business location;

2. Have stable economic income and the ability and willingness to repay the principal and interest of the loan;

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3. Have no major bad credit record, and the credit rating is average (inclusive) or above,

4. Hold a true, legal, and valid house purchase contract, agreement, or Other valid supporting documents;

5. Be able to provide guarantees that meet the requirements of Sichuan Rural Credit Bank (Cooperative);

6. Payment meets the requirements of Sichuan Rural Credit Cooperative Bank (Cooperative) The specified proportion of down payment for house purchase;

7. For purchasing second-hand housing, the property rights of the transaction property are clear and can enter the real estate market;

8. Sichuan Rural Credit Bank (Social Bank of China) )

Document preparation:

1. Valid identity certificate (resident ID card, household register) and marriage status certificate of the borrower and spouse;

2. Documents proving the borrower's loan repayment ability, such as income certificate, income statement and recent bank income statement.

3. "Commercial Housing Sales (Pre-Sale) Contract" signed with the real estate development company. or "Letter of Intent to Purchase Commercial Housing Contract";

4. Receipts and invoices for down payment issued by real estate development companies, or bank deposit slips for down payment;

5. Sichuan Other information required by the rural credit agency (cooperative)

Loan amount:

In accordance with the current personal housing loan policy, the current maximum loan amount is 75% of the market value of the purchased house. .

Loan period:

The maximum loan period shall not exceed 30 years.

Loan interest rate:

According to the People's Bank of China and Sichuan. Relevant provisions on rural credit interest rate management enjoy appropriate discounts.

Repayment method:

You can choose a flexible repayment method of equal principal and interest, equal principal or agreed minimum repayment amount.

Service channels:

1. You can submit a loan application to the Sichuan Rural Credit Card Account Manager at the mortgage real estate sales office or second-hand housing intermediary agency cooperated by Sichuan Rural Credit Card Banks (communities) , you can also choose Sichuan Rural Credit Bank (community) to submit a loan application.

2. You can also apply for a loan through self-service channels such as Sichuan Rural Credit Union Mobile Banking, Online Banking, and WeChat Banking.

Operation guide:

Business flow chart:

1. Customer application. You submit a written loan application to Sichuan Rural Credit Co., Ltd. and submit relevant information;

2. Loan approval. Sichuan Rural Credit Co., Ltd. will investigate and approve the loan based on your application information;

3. Sign the contract. After the Sichuan Rural Credit Bank (cooperative) investigates and approves the application materials submitted by the borrower, both parties sign a loan contract and a guarantee contract, and handle mortgage (pledge) registration and notarization procedures as appropriate;

< p>4. Grant loans.

For loans approved by the Sichuan Rural Credit Bank (cooperative), after completing the relevant procedures, the Sichuan Rural Credit Cooperative Bank (cooperative) will transfer the loan funds to the house seller in one lump sum in accordance with the loan contract. An account opened in a bank;

5. Repay the loan on schedule. After the loan is issued, you must repay the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract;

6. Loan settlement.