Rural low-income households can apply for loans, but low-income households generally cannot provide guarantees. For commercial bank loans, borrowers should provide guarantees, and strictly examine the borrower's loan purposes, repayment ability and repayment methods. Commercial banks shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

legal ground

Article 36 of People's Republic of China (PRC) Commercial Bank Law

When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Can low-income people get loans?

Low-income households can also apply for loans, and employment unemployment registration certificates can apply for small secured loans. The maximum amount of small secured loans can reach 654.38 million yuan, and the loan period is two years.

Application material

1. Application Form (in triplicate)

2 copy of the household registration book (in triplicate)

3. Copy of ID card (in triplicate)

4. A copy of the lease agreement or proof of own property (in triplicate)

5 copies of business license, hygiene license and production license (in triplicate)

6 copies of tax registration (in triplicate)

7. Copy of re-employment concession card (1-2 pages in triplicate)

8. Other materials required by the lending bank.

The above copies must be made on A4 copy paper, and the original must be issued.

Extended data

Families enjoying this treatment are mainly divided into the following four categories:

1, residents (villages) with no financial resources, no ability to work and no dependents or dependents;

2, during the period of receiving unemployment benefits or unemployment benefits expires still failed to re employment, family per capita monthly income is lower than the minimum living standard of residents (village);

3 workers receive wages or minimum wages, retirees receive pensions, the per capita monthly income of the family is still lower than the minimum living standard of the city residents (villages);

4, other families per capita monthly income is lower than the minimum living standard of residents (Village) (excluding five objects).