1. With the support of a certain amount of credit funds, this loan can solve the temporary shortage of funds for disaster-stricken farmers during the process of reconstruction, relocation or housing resettlement, and help the disaster-stricken farmers resume production and rebuild their homes.

2. Bank loan interest rates are more favorable than other loans. The minimum limit is 0.6 times the benchmark loan interest rate, and the maximum limit is that the People's Bank of China benchmark interest rate will not be raised. In this section, the actual interest rate level is confirmed based on the risk situation and guarantee method.

3. The loan repayment method is flexible. You can choose various loan repayment methods such as monthly and quarterly. You can actually set a one-year loan grace period based on the income of the residents. During the grace period, only the loan interest will be paid. No repayment of principal and interest.

4. There are various guarantee methods. Farmers can choose pledge, pledge loan, guarantee, farmer joint guarantee and other methods to apply for loans. Personal loans can be issued to farmers who have long-term cooperation with the Agricultural Bank of China, have no bad credit records before the disaster, have strong loan repayment ability, have annual per capita net income of their families that is about 50 yuan higher than the average household income of the county, and have a credit rating of good or so. .

5. Priority in bank credit plans. Major banks will provide priority guarantees to farmers in earthquake-stricken areas who meet the borrowing requirements for building houses in the earthquake-stricken areas, thus reducing the need for farmers in earthquake-stricken areas to build houses. Troubled.