The borrower must have a household registration in Lanling County, hold a real estate certificate for the homestead "house and land integrated", and have no mortgage, sale, gift, etc., and the certificate holder and the borrower must be consistent. The loan limit for a single household shall not exceed 300,000 yuan (including 300,000 yuan). For farmers operating on a moderate scale, the loan limit may be increased appropriately.

"Zhaji Loan" is an innovative and compound financial credit product for rural revitalization that integrates fiscal interest discounts, guarantee fee subsidies and the "government-bank guarantee" tripartite policy mechanism. It is divided into agriculture-related loans and Non-agriculture-related loans. Application method for "home delivery loan": The borrower holds the "housing and land integration" real estate certificate and the certificate of village collective economic organization, and applies for a loan at a banking institution. The banking institution will review the borrower's materials and conduct a pre-loan investigation. For qualified borrowers, banking institutions determine the loan amount, term, interest rate, etc., and lend money to the borrower in accordance with prescribed procedures.