The introduction of rural interest-free loans is rural finance. 20 18 what are the policies for rural interest-free loans? How to borrow it? What are the processing conditions?

I. Conditions for handling interest-free loans in rural areas

Rural interest-free loans also have a series of restrictions:

● The applicant's family is in difficulty and needs state support.

Interest-free loans and other policies are mostly to support vulnerable groups. Although China's economy has developed rapidly, there are still some families who are not out of poverty. In order to help them get rid of poverty as soon as possible and achieve the goal of getting rich together, the state has issued interest-free loans to these poor households in rural areas, provided them with funds for production and living, and sought ways to get rich.

● The applicant is a person.

Only those farmers with good conduct and prospects can apply for the countryside. However, they have financial difficulties, but they have a good reputation. They work hard with the money obtained from interest-free loans, and they can keep their promises on time. If they can't keep their promises, they will have to take on greater loan risks, and it will be difficult to get ordinary loans, let alone interest-free loans.

● The applicant's loan is used for projects supported by the state.

Farmers who produce and develop agriculture and aquaculture supported by the state in rural areas are eligible to apply for interest-free loans in rural areas. Agriculture, rural areas and farmers have always been the leading factors in China's economy, and national policies have also supported some rural production activities. Giving these producers the ability to apply for interest-free loans in rural areas can better stimulate their enthusiasm.

● The applicant has repayment ability.

Loans from any institution must be repaid in the end, and applicants for rural interest-free loans must also have the ability to repay in full and on time, otherwise credit cooperatives will not give you loans.

Second, how to get interest-free loans in rural areas?

1. To apply for interest-free loans in rural areas, you need to prepare the required materials in advance.

● Personal information materials

Applicants are required to provide ID card, original and photocopy of household registration book, proof of marital status (if married, spouse ID card, original and photocopy of household registration book are required) and proof of business premises.

●

Original and photocopy of individual business license. Original and photocopy of individual business license and tax registration certificate.

● Guarantee information materials

Guarantee application form. And provide guarantor materials (including certificates, copies of household registration books, on-the-job certificates with official seals, and work income certificates; Commitment letter (if married, both husband and wife are required)

2. After preparing the materials, the loan processing is divided into the following steps.

● Apply to the community where the household registration is located (township employment and social security station or employment and social security office).

● Wait for the guarantee institution and the handling bank to review the applicant's information before the loan investigation.

● The guarantor signs a counter-guarantee contract with the guarantee institution.

● Sign loan contracts and agreements.

● Handling bank loans.

Second, the state has a policy of interest-free loans of 50 thousand yuan per person. What are the requirements?

The application conditions of the national interest-free loan policy of 50 thousand yuan per person:

1, laid-off workers in cities and towns (holding the Re-employment Concession Certificate or Unemployment Certificate issued by the labor and social security department);

2. Unemployed demobilized soldiers in cities and towns (valid retirement certificate should be provided);

3 registered unemployed people in cities and towns (holding unemployment certificates);

4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the "Graduation Certificate" of full-time ordinary colleges and universities and the "Employment Registration Certificate for College Graduates" issued by the competent department of college graduates).

5. The loan object must be a China citizen with a fixed residence, a fixed residence in a local town and full capacity for civil conduct.

6, the loan object must be within the legal working age, healthy, honest and trustworthy, with entrepreneurial will, with certain labor skills.

7. Be law-abiding, honest and trustworthy, and have no illegal acts and bad records (those who have bad credit records for more than three times will not be handled).

8. The projects invested by the established economic entities conform to the relevant national laws, regulations and policies, and have obtained the industrial and commercial business license and tax registration certificate.

9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.

Third, the interest-free loan policy.

Legal analysis: 1. China citizens are needed. Applicants for personal interest-free loans must be at least 18 years old and not more than 45 years old. They are China citizens with full capacity for civil conduct. Foreigners are not allowed to apply. 2. Have a stable address and a local permanent address, that is, have a fixed residence and a local hukou. In other words, if the applicant wants to apply for an interest-free loan, he needs to apply at the place where the account is located. 3. Good credit information. Applicants for interest-free loans have good credit and repayment ability, stable work and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors. Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions when applying for personal loans: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 44 Bad information in the Regulations on the Management of Credit Information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject fails to perform its obligations in accordance with the contract in activities such as lending, credit purchase, guarantee, lease, insurance and credit card use, information that the information subject is subject to administrative punishment, information that the people have judged or ruled that the information subject has fulfilled and enforced its obligations, and other bad information as stipulated by the supervision and administration department of the State Council credit reporting industry.