2. Loan purpose: Small loans for farmers are used to meet the financing needs of farmers' production and life.
3. Loan terms:
(1) is over 18 years old (including 18 years old), and the sum of the age at the time of applying for the loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.
(2) According to the Administrative Measures of Agricultural Bank of China on Credit Rating of Three Rural Customers, the credit rating result of customers is medium or above.
(3) should have a stable income and the ability to repay the loan principal and interest on schedule.
(4) Production and business operation activities conform to national laws and regulations and industrial policies.
(5) Good conduct when applying for loans, and no overdue loans.
(6) Other conditions stipulated by the lender.
4 loan amount, term, interest rate and repayment method
(1) The starting point of a single farmer loan credit line is 3,000 yuan, and the highest is 50,000 yuan (inclusive).
(2) Farmers' loans are divided into two ways: self-help and recycling.
Self-help recovery means that the borrower repays the loan with a loan within the approved maximum amount and period, which is mainly used to meet the temporary and short-term liquidity needs of farmers;
(3) The loan period of farmers should be determined according to the production and operation cycle and comprehensive income of farmers.
The term of revolving loan shall not exceed 3 years. The term of a single loan within the limit generally does not exceed 1 year.
(4) Farmers' loan interest rate: The current interest rate of banks is certificates of deposit and loans pledged by insurance policies, and the lowest benchmark interest rate falls by 65,438+00%; Effective asset mortgage loans and loans guaranteed by professional guarantee institutions have the lowest benchmark interest rate; The minimum benchmark interest rate of guaranteed loans for quality and above customers of ABC rises10%;
For other guarantee methods, the minimum benchmark interest rate will rise by 20%.
(5) repayment methods of farmers' loans
For loans with a term of less than one year (inclusive), the principal and interest repayment method shall be adopted, and the interest shall be settled quarterly (monthly).
5, farmers' loan guarantees, including:
(a) the way of guarantee. Including corporate customers, credit guarantee companies, multi-household guarantees and other guarantees.
(2) mortgage guarantee method. Including real estate and other mortgage guarantees.
(3) the way of pledge guarantee. Including certificates of deposit, insurance policies and other pledge guarantees.
6. Multi-household joint guarantee. The borrower may, on the principle of "voluntary combination, honesty and trustworthiness, and at his own risk", form a joint guarantee group to apply for a loan, and the members of the joint guarantee group shall bear joint and several liabilities. The adoption of multi-family joint insurance must meet the following conditions at the same time: First, the members of the joint insurance team shall not be less than 3. Second, there is no lineal relatives among the members of the UNPROFOR team, or although there is lineal relatives, a separate family has been established and the family property can be effectively distinguished; Third, the residences of UNPROFOR members should be relatively concentrated.
In the case of multi-household joint guarantee, each borrower can only participate in one joint guarantee group. If loans overdue, a member of the UNPROFOR team, stops the new loans of all members of the UNPROFOR team before paying off the overdue loans.
7. The borrower shall take out agricultural insurance and personal accident insurance. Our bank recommends taking out insurance in Taicang City, China Pacific Property Insurance Co., Ltd., and implementing the "double-order operation" of loan insurance.
8. Farmers' loans should be settled within a limited time. Since the loan application materials are complete, the old customers will settle within 2 working days and the new customers will settle within 5 working days.