"Anjule" farmers' housing loan refers to loans issued by Sichuan Rural Credit Cooperatives to improve farmers' living conditions. Farmers who apply for "Anjule" farmers' housing loans should have good credit, the ability to repay the loan principal and interest, the relevant examination and approval procedures for building land and not less than 50% of their own funds.

The specific loan amount of housing loans of rural credit cooperatives in Sichuan Province is determined according to the total investment, self-raised funds and farmers' repayment ability. It can be used to issue both secured loans and credit loans, of which the maximum credit loan for excellent credit users is no more than 654.38+10,000 yuan, the maximum credit loan for good credit users is no more than 50,000 yuan, and the maximum credit loan for general credit users is no more than 30,000 yuan. The longest loan period is 5 years.

Loan characteristics

Sichuan rural credit cooperatives have flexible loan methods, diverse repayment methods, simple procedures and long loan period.

area of application

Farmers who meet the loan access conditions of rural credit cooperatives.

operation flow

(1) Apply and provide the following information.

(1) loan application and valid identity documents, household registration books and marital status certificates of the borrower and spouse;

(2) Guaranteed loans need to provide relevant guarantee materials;

(3) materials to prove the purpose of the loan, such as the examination and approval procedures for construction land;

(4) Housing investment estimation and self-financing certificate;

(5) proof of repayment ability;

6 loan certificate;

⑦ Other materials specified by rural credit cooperatives.

(2) Investigation, review and approval

Rural credit cooperatives in accordance with the "Sichuan Rural Credit Cooperatives Small Credit Loan Operating Rules" or "Sichuan Rural Credit Cooperatives Personal Loan Basic Operating Rules" for investigation and approval.

(3) Sign a contract

Rural credit cooperatives sign loan contracts with loan applicants. Guaranteed loans also need to sign a guarantee contract with the guarantor and go through the relevant guarantee procedures.

(4) Opening an account

Farmers open personal deposit accounts in rural credit cooperatives.

(5) Withdrawal loan

After completing the relevant loan procedures, the rural credit cooperatives will directly transfer the loan to the deposit account opened by the borrower in the rural credit cooperatives in accordance with the loan contract, and use the loan in one lump sum or by stages.

(6) Repayment on schedule

The borrower shall repay the loan principal and interest in accordance with the loan contract.