1, interest of Huinong e-loan = loan principal * loan term * loan interest rate. Huinong e loan interest is the same as the benchmark interest rate. At present, the benchmark loan interest rate announced by the bank is 4.35% for loans within one year (including one year), 4.75% for loans from one to five years (including five years) and 4.90% for loans over five years.
2. On the morning of June 5th, several villagers came to the compound of Party-Mass Service Center in Xiapu Village, Jinxiang Town, Lufeng City. Villagers hold ID cards, household registration books, marriage certificates, business licenses, household registration books, etc. , fill in the credit authorization information on the form and verify the face recognition. The staff of Lufeng Sub-branch of Shanwei Branch of Agricultural Bank of China handled business for them.
3. The "e-loan for benefiting farmers" business is being handled through the filing of farmers' information. It is a credit business for benefiting farmers launched by Shanwei Branch of Agricultural Bank of China (hereinafter referred to as "Shanwei Branch of Agricultural Bank of China") on June 5438+ 10. Through data information, we can accurately "portrait" farmers, realize the large-scale, standardized and intelligent operation of farmers' loans, and provide farmers with online fast lending services. As long as they are local farmers who have passed the system audit, they do not need to provide mortgage, and they can borrow up to 300,000 yuan. Because of the simple credit methods and procedures and the long loan period, this kind of financial service has attracted many farmers operating in entities to handle it.
4, the maximum is 300,000, and the annual interest rate is only 5.85%. "Huinong e-loan" was very popular after it was launched in June 2020. Lin, president of Lufeng Sub-branch of Shanwei Branch of Agricultural Bank of China (hereinafter referred to as "Lufeng Sub-branch"), said: Since its launch, this business has covered 1 14 administrative villages in Lufeng City (with a coverage rate of 4 1%), with a cumulative credit of 370 million yuan and a loan balance of 84 million yuan.
5. Why is it so popular? Lin introduced: The most important thing is that there is no need to provide mortgage, which solves the problem of difficult and expensive financing for farmers' production and operation. In the past, it was difficult for many farmers to apply for loans because they didn't have qualified collateral such as commercial housing, and the "e-loan for benefiting farmers" was issued through farmers' information files. This problem has been solved. Secondly, the interest rate of "Huinong e-loan" is low, with an annual interest rate of only 5.85%. One year 1 10,000 yuan only needs to pay interest of about 585 yuan, and the longest loan period can reach 8 years, which effectively relieves the repayment pressure. Third, the loan application is very convenient. A mobile phone can be applied online, and Lufeng Sub-branch sent a large number of staff to visit the village. "There are 1-2 teams in the village to handle business on weekdays, and there are 4-6 teams on Saturdays and Sundays."
6. What are the main uses of "Huinong e-loan"? President Lin said: "It is mainly to provide business loans to farmers' families with strength (assets), business entities, stable income and repayment ability, such as breeding and grocery stores. You can also provide consumer loans to high-quality farmers' families with strength (assets), stable wage income and repayment ability, such as house decoration. "