Farmers guarantee micro-credit loans
Loan target: farmers
Loan amount: 1000 yuan-50,000 yuan.
Loan term:1-12 months.
Repayment method:
(1) One-time principal and interest repayment method: for loans within 4 months, the principal and interest shall be repaid in one lump sum at maturity;
(2) Equal principal and interest repayment method: equal monthly repayment of loan principal and interest within the loan term;
(3) Repayment of principal and interest by installments: only interest will be repaid during the grace period, and repayment will be made with equal principal and interest after the grace period.
Guarantee conditions: if the loan amount is less than 6,543,800 yuan, you need to find a guarantor, and you need to have a fixed occupation or a stable income; If the loan amount is between 10000-50000, you need to find two guarantors, one of whom must be a civil servant, a teacher, a formal employee of a public institution or a large or medium-sized enterprise, and the other must have a fixed occupation and a stable income.
Conditions of the applicant:
(1) Age 18 to 60 years old, in good health, with local hukou or living in the local area for one year;
(two) engaged in rural land cultivation or other production and business activities related to rural economic development;
(3) Have a permanent residence in the local area.
Materials to be provided:
(1) The original and photocopy of the applicant's household registration book and ID card 1;
(2) One original and one copy of the guarantor's ID card.
Farmers jointly guarantee micro-credit loans
Loan target: farmers
Loan amount: 1000 yuan-50,000 yuan.
Loan term:1-12 months.
Repayment method:
(1) One-time principal and interest repayment method: for loans within 4 months, the principal and interest shall be repaid in one lump sum at maturity;
(2) Equal principal and interest repayment method: equal monthly repayment of loan principal and interest within the loan term;
(3) Repayment of principal and interest by installments: only interest will be repaid during the grace period, and repayment will be made with equal principal and interest after the grace period.
Guarantee conditions:
A joint guarantee team composed of 3-5 farmers can apply for loans after investigation and approval. Within the validity period of the joint guarantee, if the loan balance of each team member is within the approved amount, they can apply for loans in a cycle.
Conditions of the applicant:
(1) Age 18 to 60 years old, in good health, with local hukou or living in the local area for one year;
(two) engaged in rural land cultivation or other production and business activities related to rural economic development;
(3) Have a permanent residence in the local area.
Every member of the UNPROFOR team must meet the above conditions.
Materials to be provided:
Original and photocopy of the applicant's household registration book and ID card 1 copy.
The above materials must be provided by each member of the UNPROFOR team.
Merchants guarantee micro-credit loans
Loan target: individual industrial and commercial households, sole proprietorship enterprises, partners of partnership enterprises and shareholders of limited liability companies.
Loan amount: 1000 yuan-10000 yuan.
Loan term:1-12 months.
Repayment method:
(1) One-time principal and interest repayment method: for loans within 3 months, the principal and interest shall be repaid in one lump sum at maturity;
(2) Equal principal and interest repayment method: equal monthly repayment of loan principal and interest within the loan term;
(3) Repayment of principal and interest by installments: only interest will be repaid during the grace period, and repayment will be made with equal principal and interest after the grace period.
Guarantee conditions:
If the loan amount is less than 6,543,800 yuan, you need to find a guarantor and ask for a fixed occupation or stable income; If the loan amount is between 10000- 10000, you need to find two guarantors, one of whom must be a civil servant, a teacher, a formal employee of a public institution or a large or medium-sized enterprise, and the other must have a fixed occupation and a stable income.
Conditions of the applicant:
(1) Age 18 to 60 years old, in good health, with local hukou or living in the local area for one year;
(2) The production or business projects engaged in conform to the provisions of national industrial policies and laws and regulations;
(3) Having a business license approved and inspected by the industrial and commercial department;
(4) Normal operation for more than 3 months;
(5) Having a fixed business place in the local area.
Materials to be provided:
(1) One original and one copy of the applicant's ID card;
(2) The original and photocopy of the business license approved and inspected by the industrial and commercial department.
The answer is to supplement the merchant's joint guarantee of small loans.
Loan target: individual industrial and commercial households, sole proprietorship enterprises, partners of partnership enterprises and shareholders of limited liability companies.
Loan amount: 1000 yuan-10000 yuan.
Loan term:1-12 months.
Repayment method:
(1) One-time principal and interest repayment method: for loans within 3 months, the principal and interest shall be repaid in one lump sum at maturity;
(2) Equal principal and interest repayment method: equal monthly repayment of loan principal and interest within the loan term;
(3) Repayment of principal and interest by installments: only interest will be repaid during the grace period, and repayment will be made with equal principal and interest after the grace period.
Guarantee conditions:
The joint guarantee team consists of three individual industrial and commercial households, sole proprietors, partners of partnership enterprises or shareholders of limited liability companies. After investigation and approval, all members of the joint guarantee team can apply for loans. Within the validity period of the joint guarantee, if the loan balance of each team member is within the approved amount, they can apply for loans in a cycle.
Conditions of the applicant:
(1) Age 18 to 60 years old, in good health, with local hukou or living in the local area for one year;
(2) The production or business projects engaged in conform to the provisions of national industrial policies and laws and regulations;
(3) Having a business license approved and inspected by the industrial and commercial department;
(4) Normal operation for more than 3 months;
(5) Having a fixed business place in the local area.
Every member of the UNPROFOR team must meet the above conditions.
Materials to be provided: (1) One original and one copy of the applicant's ID card; (2) The original and photocopy of the business license approved and inspected by the industrial and commercial department. The above materials must be provided by each member of the UNPROFOR team.
Introduction of personal commercial loan products
Loan target: individual industrial and commercial households with good reputation and strong business ability, owners of sole proprietorship enterprises, partners of partnership enterprises and natural person shareholders of limited liability companies.
Loan amount: 654.38+ 10,000-654.38+10,000.
Loan Term: The longest term of a single loan is 5 years.
Loan interest rate: adjusted with the national benchmark interest rate of the same grade in the same period.
Repayment method:
(1) One-time repayment of principal and interest: for loans within 6 months, the principal and interest will be repaid once at maturity;
(2) Equal principal and interest repayment method: equal monthly repayment of loan principal and interest within the loan term;
(3) Repayment method of equal principal and interest by installment: only interest will be repaid during the grace period, and equal principal and interest will be repaid after the grace period. The longest grace period can reach 6 months.
Guarantee method: mortgage of housing or commercial housing under the name of the applicant's husband and wife or immediate family members.
Conditions of the applicant:
(1) Age 18-60 years old, with full capacity for civil conduct, having a local hukou or living in the local area for one year;
(2) Having a local business entity (store, enterprise or company, etc.). ) and has been running normally for more than one year;
(3) Having a business license and other legal business procedures;
(4) Have a good credit record and willingness to repay;
(5) Have a stable income and the ability to repay the loan principal and interest in full and on time;
(6) It can provide legal, effective and reliable personal property mortgage guarantee recognized by the bank. Answers to supplementary materials:
(1) Original and photocopy of the applicant's ID card and household registration book;
(two) the original and photocopy of the business license, tax registration certificate and other business certificates that have passed the annual inspection;
(3) The original and photocopy of the real estate license, the land use right certificate, and the ID card of the mortgagor and his spouse;
(four) the original transaction details of the bank settlement account for more than 6 months in the recent past, and other documents reflecting the business ability or asset strength;
(5) Other materials required by the Postal Savings Bank.