Application conditions
1, has a fixed residence in the local area and has lived for more than one year. Holding valid identity documents and valid residence certificates;
2. The age is above 18 years old (inclusive), and the age plus loan period is not more than 65 years old;
3. Good health and full capacity for civil conduct;
4. There are legal breeding procedures;
5, there is a certain scale of breeding equipment and farms;
6. At least 2 years of agricultural experience;
7. No violation of laws and regulations and bad credit records.
The loan process is usually:
(1) Farmers apply for loans from credit cooperatives;
(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;
(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.
(four) within the approved loan control balance, farmers can use the loan. With the loan certificate (card) or balance approval notice, farmer's ID card and reserved seal, you can fill in the loan application form directly at the credit cooperative business counter, sign the farmer's micro-credit loan contract, go through the payment procedures, and no longer perform the loan approval procedures.
(5) Counter loan handling personnel should first check whether the loan voucher, ID card and seal held by the borrower are consistent with themselves, whether the record content is complete, whether there is any alteration, and whether the loan balance control amount filled in the loan voucher is consistent with the balance control degree notified by the credit union. After verification, according to the loan operation rules, within the approved control balance, the lender fills in the loan application form and signs the small-scale agricultural loan contract.