Large farmers can generally submit loan applications within 20 days, with a minimum loan of 50,000 yuan and a maximum loan of 2 million yuan. According to the regulations, when a large grain grower applies for a loan from a guarantee company, the bank will issue a loan to the applicant in the form of a guarantee company. If the lender fails to fulfill the repayment obligation as agreed in the contract, the guarantee company will assume the guarantee responsibility for the wealth management products after the grace period ends. If you meet the loan conditions, you can get the loan of the amount you applied for within 20 days at the latest. In terms of the loan term, in principle, it shall not exceed 1 year, and it shall be used in a rolling way within the maximum period of 3 years, and the principal and interest shall be repaid at one time. The Provincial Department of Finance provides loan discount support at 50% of the benchmark interest rate of the central bank in the same period, and gives 1% guarantee fee subsidy to reduce the comprehensive financing cost of the loan subject.

Moreover, the amount of mortgage loan for rural land contractual management right is generally between 50% and 80% of the assessed value (including ground attachments), and the regulations vary from place to place. Please consult the local authorities for details. Although rural land cannot be loaned. However, the land management certificate issued after the land is confirmed can be loaned. Mortgage the land management right (use right) to the bank and lend a certain proportion of funds from the bank. The contract right of land (farmers) remains unchanged, and so does the ownership (village collective). Therefore, the mortgage loan of land management right will not happen "the land cannot be recovered after mortgage".

In addition, you can apply for a loan to engage in aquaculture, and the bank has a small loan for farmers, as long as it meets the basic conditions of the loan. Generally speaking, you may need to provide a guarantee, but you don't need a mortgage. As long as you can find a guarantor who meets the requirements of the bank, the pass rate of the application is still relatively high. In addition, if the personal repayment ability is strong, then the loan amount will increase accordingly. For large grain growers, their contracted farmland is 100 mu, and the basic farmland subsidy is not a small amount. In addition, both large grain growers and large grain growers have subsidies. Contracting more than 50 mu, you can get a subsidy of 60 yuan per mu, with a maximum of 6.5438+0.2 million yuan. It is precisely because of these grain subsidies that large grain growers are willing to contract land for large-scale planting. Without agricultural subsidies, they can't support themselves by farming income alone.

Finally, with the increase of the total loan, the credit line of large grain growers and farmers has increased from 30-65438+10,000 yuan to 30-110,000 yuan, and the maximum can be increased to more than 2 million yuan. According to the seasonal characteristics of agricultural production and the actual production cycle, the contract period of planting loan will be extended to more than 15 months, and the loan can be used across years. In order to reduce the burden on farmers and implement the policy of benefiting farmers, the interest rate of farmers' loans was lowered by 0.5- 1 percentage point on average. For general credit business, it takes less than 5 working days from investigation to approval, and applications can be accepted at any time.