Precision poverty alleviation online loan

Where is the discount loan for precision poverty alleviation?

I. Purpose of application

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

6. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

Consult your local bank for details!

The problem of accurate poverty alleviation loans

I. Purpose of application

General special poverty alleviation loans can only be used for poor households to engage in planting, breeding, agricultural products processing, transportation, commercial circulation, farmhouse restaurants and other production and business activities. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages.

Second, the application method

1, poor households apply for direct loans from poor households.

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions

1 Banks should consider the nature of the applicant's work and repayment ability.

1. The applicant should be 18-60 years old;

2. Have certain economic ability and good credit record;

3. Original and photocopy of ID card;

4. Work certificate and income certificate (required to be stamped by the unit);

5. Non-local household registration also requires proof of residence. , aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

6. Lenders need to sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.

Please consult your local bank for details.

How to apply for interest-free loans for precision poverty alleviation in Xiangxi?

In order to establish the risk compensation fund for poor households' loans, improve the discount policy for poor households' loans, vigorously implement the micro-credit project of precision poverty alleviation, and solve the problems of poor people's difficulty and expensive loans. So, how should poor households manage accurate poverty alleviation loans?

First, the purpose of applying for accurate poverty alleviation loans

Second, the application method of precision poverty alleviation loans

1, poor households apply for direct loans from poor households.

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions for precision poverty alleviation loans

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

Fourth, the amount and duration of applying for precise poverty alleviation loans.

1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1 0,000 yuan per person), and the application is made on a household basis. The amount of each household is controlled below 50,000 yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.

2. The loan amount and term of wealthy and capable people, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by their assistance. In principle, the loan amount shall not exceed the sum of the needs of poor households driven by the loan amount, and the longest loan period shall not exceed 3 years.

Verb (abbreviation of verb) interest rate and discount for applying for accurate poverty alleviation loans

The loan interest rate is subject to the benchmark interest rate of the People's Bank of China for the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. Interest discount adopts the principle of "receiving first and then posting". The overdue loan interest and penalty interest caused by the lender's failure to repay the loan on time shall not be subsidized.

Rural Precision Poverty Alleviation Loan Policy I am a precision poverty alleviation household and need funds to support greenhouse construction. Now it's half built, and there's no money. What about poverty alleviation loans? can

The subsidy standards for poor rural households with dilapidated houses supported by five-guarantee households and low-guarantee households are: newly-built houses supported by five-guarantee households and low-guarantee households 1.5 million yuan, newly-built houses for poor farmers 1.0 million yuan, housing maintenance subsidy standard 1.5 million yuan, and filing subsidy according to housing damage procedures 1.5 million yuan. See if the documents are useful. Ask the government directly to see the specific requirements, whether there is a place, etc. About 200

Jian Cun [2009] No.84

The relevant provinces, autonomous regions and municipalities directly under the Central Government Housing and Urban-Rural Development Department (Project Construction Committee), Development and Reform Commission, Finance Department (Bureau), Construction Bureau of Xinjiang Production and Construction Corps, Development and Reform Commission and Finance Bureau:

Implement the requirements of the CPC Central Committee and the State Council on speeding up the renovation and expansion of rural dilapidated buildings, and give guidance to the renovation and expansion of rural dilapidated buildings.

Clarify the guiding ideology, objectives, tasks and basic principles.

() The guiding ideology is thoroughly implemented in Scientific Outlook on Development. According to the overall requirements of ensuring people's livelihood, increasing population and ensuring stability, the basic housing security of the rural poor will be solved, the goal of rebuilding dilapidated houses in rural areas will be demonstrated, the conditions of the rural poor will be improved, and the construction of the rural basic housing security system will be promoted.

(II) Objectives and tasks In 2009, we will expand the pilot task of rebuilding dilapidated houses in rural areas. After the completion of the pilot task of rural dilapidated houses renovation in border counties, western ethnic autonomous counties, key poverty alleviation counties and all counties in Guizhou Province, about 800,000 rural poor households in the border areas of Xinjiang Production and Construction Corps renovated dilapidated houses,10.5 million farmers combined with rural dilapidated houses renovation exhibition and building energy-saving demonstration, summed up experience, improved the planning for the system formulation period, and gradually solved the dangerous houses problem of rural poor households.

(III) Basic Principles Exhibition The renovation of dilapidated houses in rural areas should be implemented according to corresponding measures and in line with the level of economic and social development. Efforts should be made to practice economy, help poor households and rebuild dangerous houses, create an image project that is basically safe, economical, applicable, energy-saving, economical and hygienic, and prevent the demolition and construction of rural houses; It is necessary to adhere to farmers' autonomy and voluntary guidance by the government and support the implementation of responsible central subsidies; To integrate resource planning, we should first strengthen the connection of relevant policies to benefit farmers and support agriculture; It is necessary to standardize procedures, strictly manage and adhere to fairness, justice and fairness.

Second, strengthen planning and fund raising.

(four) planning should be organized in accordance with the "technical guidelines for the identification of rural dangerous houses (Trial)", with the participation of provincial housing and urban and rural construction, development and reform, finance and other departments. It is necessary to organize the implementation in accordance with the requirements of the relevant documents of this guidance, seriously solve the transformation task of the rural dilapidated housing reconstruction plan, and report it to the Ministry of Housing and Urban-Rural Development, the National Development and Reform Commission, and the Ministry of Finance for the record.

(five) to raise funds for the renovation of dilapidated houses in rural areas. Farmers raise funds from the central government, supplemented by donations from bank credit cooperatives and other channels, raise funds for the renovation of dilapidated houses in rural areas, adjust the structure of branches, and increase the funds needed to expand the pilot renovation of dilapidated houses in rural areas. All pilot counties should integrate resources, co-ordinate earthquake-resistant housing, resettle nomads, restore and rebuild rural houses damaged by disasters, and transform dilapidated houses for the poor and disabled. Linking poverty-relief housing with the renovation of dilapidated buildings in rural areas, improving the policy effect and the efficiency of capital use, encouraging and guiding social forces to provide donation support for the renovation of dilapidated buildings in rural areas, and promoting farmers in financial institutions to provide loans for the renovation of dilapidated buildings by formulating policies and measures such as interest subsidies and guarantees. In 2009, the central government allocated 4 billion yuan of subsidy funds, which were distributed according to the number of rural farmers, the number of dilapidated houses in rural areas and the differences in regional financial resources. The Ministry of Finance, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development jointly reached.

Third, reasonably determine the subsidy standard.

(six) the subsidy standard should refer to the actual financial situation of rural economic and social development level. This demand subsidy is like the ability to be self-financing. The subsidy standard is reasonably determined by the central finance. The average subsidy standard is 5000 yuan per household. The energy-saving demonstration households of rural dilapidated buildings in the pilot areas of Northeast China, Northwest China and North China will receive an additional subsidy of 2,000 yuan. Each household is guaranteed to complete the transformation task, and the subsidy standard of the same type in the same district is determined by itself.

(VII) Subsidies Like expanding the pilot subsidies for the renovation of dilapidated houses in rural areas, like supporting the five-guarantee households and the low-guarantee households who focus on living in dilapidated houses, the dilapidated houses of poor rural farmers refer to houses that have been identified as overall dangerous houses (Grade D) or partial dangerous houses (Grade C) according to the Technical Guidelines for the Identification of Dangerous Houses in Rural Areas (Trial).

(eight) the audit procedures follow the principles of fairness, justice and fairness, and standardize the examination and approval procedures. The implementation of farmers' voluntary application, villagers' discussion or democratic appraisal of villagers' representatives, township (town) audit and county-level examination and approval. Establish and improve the publicity system. The basic information of subsidies should be publicized in all audit links. The county-level government shall organize the signing of contracts or agreements with the farmers who have been approved to carry out the renovation of dangerous houses.

Four, the implementation of the basic requirements of rural reconstruction.

(9) The rebuilt rural dilapidated buildings to be rebuilt belong to the overall dilapidated buildings (Grade D). Demolition and reconstruction are local hazards (Grade C). The principle of rebuilding houses should be maintenance, reinforcement and reconstruction. It is indeed difficult for farmers to build their own houses. The government should give play to the role of organization and coordination, help farmers choose qualified construction teams, and build a comparison set for the renovation of dangerous houses by retail investors. Conditional villages should implement village planning, renovation of dilapidated buildings and infrastructure integration, and promote the rectification of the whole village.

(10) Construction standard: The total construction cost should be controlled under the premise of meeting the basic residential function safety in the reconstruction of rural dangerous houses. The Ministry of Finance should subsidize the renovation of poor households. The construction area of new houses should be controlled at 40 square meters and the construction area of poor households should be controlled at 60 square meters. The design and construction of rural housing should conform to farmers' production habits, reflect the national architectural style, inherit and carry forward traditional architects, and promote the technological progress of rural housing construction.

(10) The number of households in village planning and reconstruction is greater than that in villages. Village planning must be made, and construction projects such as roads, water supply, biogas, environmental protection, poverty alleviation and toilet improvement must be coordinated and integrated. In order to improve the benefit and efficiency of engineering construction, dilapidated houses should be rebuilt together with villages to improve the living environment of dilapidated houses in rural areas on land borders. If it is really necessary to rebuild the original site, the new site should be built near the border and relocated.

(12) The important content of the energy-saving demonstration and pilot work for the renovation of dilapidated houses in rural areas in Northeast China, Northwest China and North China has been promoted from point to point. Each pilot county should arrange at least one demonstration site (village). Counties should make use of material application technology to arrange demonstration sites (villages) as much as possible, and research and develop energy-saving houses that are in line with rural reality. Promote the utilization of heating renewable energy and research and development of energy-saving materials for rural housing. Enterprises with good social, economic and environmental benefits should implement the current preferential policies such as taxation, financing and discount interest.

Verb (abbreviation of verb) regulates project management.

(thirteen) fund management to expand the rural reconstruction pilot funds to special account accounting, in strict accordance with the provisions of the fund management system to use and improve. It is strictly prohibited to intercept, occupy or misappropriate the prescribed standards. It is necessary to regularly supervise and inspect the use of funds, find problems and seriously correct them. Serious problems should be made public and those responsible should be held accountable. Those suspected of committing crimes should be handed over to our organs for handling.

(14) Technical services The housing and urban-rural construction departments should organize technical personnel to go deep into the countryside to understand the situation, compile a safe, economical and applicable rural residential design atlas, and distribute the construction cases to farmers for reference free of charge. Organize technical forces to carry out quality and safety inspection, guidance and supervision on the reconstruction construction site of dangerous buildings, and organize and coordinate the production of main building materials. Purchase transportation, and provide farmers with quality inspection services for building materials for free. County-level housing and urban-rural construction departments should set up a consultation window for the renovation of dilapidated buildings, provide technical services for the renovation of dilapidated buildings for farmers, provide engineering mediation services, improve township construction management institutions, strengthen the training and management of rural construction craftsmen, and all housing and urban-rural construction departments should organize acceptance according to actual conditions.

(15) Archives and property rights registration: The main household archives for the renovation of dilapidated houses in rural areas should regulate the management of farmers' applications for renovation of dilapidated houses, government subsidy approval forms, housing materials before renovation, etc. It is necessary to sort out the filing conditions, promote the informatization construction of rural dilapidated buildings, improve the standardized, institutionalized and scientific management level, and transform farmers' housing property rights into farmers' houses according to the actual situation and register property rights.

(16) Information Report The Provincial Department of Housing and Urban-Rural Development should report to the Ministry of Housing and Urban-Rural Development and the Ministry of Finance of the National Development and Reform Commission on a regular or irregular basis in the form of a summary report in early July this year and in early June 65438+ 10.

(17) After the completion of the supervision and inspection plan, the Provincial Department of Housing and Urban-Rural Development will organize an inspection on the implementation of the project, and submit the inspection report to the Ministry of Housing and Urban-Rural Development and the Ministry of Finance of the National Development and Reform Commission for the record, and the Ministry of Housing and Urban-Rural Development and the Ministry of Finance of the National Development and Reform Commission will organize spot checks.

Six, strengthen the organization and leadership.

(18) Implement the responsibility to expand the pilot project of rural dilapidated buildings renovation, implement the government responsibility system, manage renovation projects by households, and implement plans, tasks, funds, objectives and responsibilities, that is, the provincial government is responsible for preparing renovation plans, organizing project implementation, implementing investment, supervising project quality, integrating and utilizing various resources, and rationally arranging staff working expenses.

(nineteen) departmental cooperation to expand the pilot work of rural dilapidated buildings involves a wide range, strong policy and heavy workload. Governments at all levels should strengthen leadership, led by government leaders, and all functional departments should participate in coordination. The leading group should clearly cooperate with the construction, development and reform of urban and rural housing. The financial department should ask the government leaders to play a functional role in conjunction with civil affairs, ethnic work, environmental protection, transportation, water conservancy, agriculture, health, poverty alleviation, disabled persons' federations, land and resources, supervision, auditing and other relevant departments.

Huamin Housing and Urban-Rural Development Department

Member of Huamin Development and Reform Commission * * *

Huamin * * * Ministry of Finance

How do poor households get loans? What documents do you need?

First, the application method of precision poverty alleviation loans

1, poor households apply for direct loans from poor households.

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Second, the application conditions for precision poverty alleviation loans

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

Third, the amount and duration of applying for precise poverty alleviation loans.

4. Expected annualized interest rate and discount for applying for precise poverty alleviation loans.

The expected annualized interest rate of the loan is based on the benchmark expected annualized interest rate of the People's Bank of China in the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. Interest discount adopts the principle of "receiving first and then posting". The overdue loan interest and penalty interest caused by the lender's failure to repay the loan on time shall not be subsidized.

The introduction of accurate poverty alleviation online loans ends here.

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