Farmers' loans can be divided into two categories according to their purposes: one is farmers' production and operation loans; The second type is farmers' consumption loans, which can be divided into five forms according to the forms of credit: credit loans, secured loans, mortgage loans, pledged loans and portfolio secured loans. Although there are many kinds of farmers' loans, borrowers need to meet the following conditions when applying for such loans:

(1) Farmers apply for loans on a household basis, and it is clear that family members are borrowers, and borrowers should be People's Republic of China (PRC) citizens with full civil capacity;

(two) domicile, fixed residence or fixed business premises are in the service area of rural financial institutions;

(3) The purpose of the loan is clear and legal;

(4) The amount, duration and currency of the loan application are reasonable;

(5) The borrower has the willingness and ability to repay;

(6) The borrower has no significant bad credit record;

(7) Opening settlement accounts in rural financial institutions;

Other conditions required by rural financial institutions.

In addition, the repayment method of farmers' loans can be based on the loan type, term and the borrower's cash flow, such as repayment of principal and interest in installments and repayment of principal in installments, and the borrower can choose the appropriate repayment method according to his actual situation.