1. Loan application: You should fill in the aquaculture loan application form and submit your ID card copy, marriage certificate, three (five) co-sponsors or guarantors and other related materials.

2. Loan investigation: the loan bank can investigate the borrower's information and repayment ability to verify the guarantor's guarantee ability and credit status; And the property ownership, geographical location and liquidity of the collateral were investigated on the spot, and the investigation opinions were put forward and sent to the loan for review.

3. Loan review: the loan bank verifies the borrower's relevant procedures, and after confirming the efficiency of loan use and the reliability of repayment of principal and interest, puts forward opinions on whether to lend, and puts forward suggestions on loan mode, amount, term interest rate and repayment method, and submits them to the loan review meeting for approval.

4. Loan approval: The lending bank will finally decide whether to lend, as well as the loan method, amount, term, interest rate and repayment method according to the investigation and review opinions.

5. Signing a contract: If the loan is agreed, the lender and the borrower sign a loan contract face to face. (Note: Both husband and wife of the borrower must be present to confirm their signatures. )

6. Loan issuance: The loan bank will issue the loan to the borrower within the time limit stipulated in the contract and transfer the loan to the deposit account or credit card account opened by the borrower in the bank.

7. Post-loan management: loan officers go to the site at least once or twice a month to strictly review the loan usage and whether the guarantor's assets are still there.

Amount of interest-free loan for aquaculture

The minimum amount of interest-free loan for aquaculture is 1000 yuan, and the maximum amount does not exceed 50% of the total price of aquaculture varieties;

deadline

The application time for interest-free loans for aquaculture shall not exceed 3 years;

Interest rate of interest-free loan for aquaculture

Because it enjoys certain national policies, the loan interest rate of aquaculture loans is not higher than the benchmark interest rate stipulated by the state.

Generally speaking, applying for aquaculture loans needs to meet the following conditions

1, has a fixed residence in the local area and has lived for more than one year;

2. Can provide legal and valid identity certificates and residence certificates;

3. At least 18 years old, and the age plus loan period is not more than 65 years old;

4. Good health and full capacity for civil conduct;

5, have a certain scale of breeding equipment and breeding places, and have more than two years of breeding experience;

6. No bad credit record;

7. Other conditions required by the lending institution.