The loan target is rural youth under 40 years old, healthy, with full capacity for civil conduct, law-abiding, honest and trustworthy, with no bad credit record, entrepreneurial desire and a certain foundation. Give priority to credit support to typical young farmers who are rated as the leaders of starting a business and getting rich at or above the provincial level and members of the Young Leaders Association of the Farmers' Cooperative Economic Organization of Hebei Province.
Article 6
The borrower shall meet the following conditions:
(a) the production and business operation activities are legal and compliant, and meet the requirements of the national industrial policy and social development planning;
(2) Having specific entrepreneurial projects, business premises and certain self-owned funds;
(3) The borrower opens a personal settlement account in the local rural credit cooperative and has a certain amount of business, and voluntarily accepts credit supervision and settlement supervision;
(4) It has a good credit standing, has the ability to repay the principal and interest of the loan, and has no bad credit record;
(5) Other loan conditions stipulated by rural credit cooperatives.
Article 7
Rural youth entrepreneurship can take the form of micro-credit, mortgage, pledge, natural person guarantee and legal person guarantee.
Article 8
The amount of rural youth entrepreneurship loans should be rated and credited according to the applicant's venture capital scale, moral quality, credit history, self-owned funds, business ability, debt repayment ability and other factors. Credit loans can be implemented if they meet the conditions of credit users, but the amount is controlled within 30 thousand yuan in principle, with a maximum of 50 thousand yuan; The loan amount of mortgage, pledge and guarantee (including joint guarantee) shall be determined according to the actual situation of the borrower.
Article 9
The entrepreneurial period of rural youth should match the actual use, production cycle and repayment source of the loan, and the longest period should not exceed 3 years.
Tenth rural youth entrepreneurship interest rate in principle does not exceed the benchmark interest rate of the same grade in the same period announced by the People's Bank of China by 20%.
Article 11
Rural youth entrepreneurship can only be used for the operation of specific entrepreneurial projects.
Excerpt from: SME Entrepreneurship Network
2.20 10 what are the loan projects of rural credit cooperatives, mainly in inner Mongolia?
There seems to be nothing. What they do most this year are mortgage loans and production loans for farmers and herdsmen!
3. Where do you get a loan in the countryside except in the credit union?
Hello: When you need loans in rural areas, you should first choose credit cooperatives, because credit cooperatives mainly serve agriculture, countryside and farmers, and their loan products are closer to rural areas, agriculture and farmers. Secondly, you can also choose agricultural banks, postal savings banks and other banks with outlets in rural areas, or even more agricultural credit products. Then you can also choose a formal online lending platform, such as Du Xiaoman, Jingdong Finance, WeChat micro-loan, Alipay loan and Ping An Puhui. As long as you have a good credit record, you can apply for legal loan projects. Wish you a happy life!