Rural interest-free loans are a policy for farmers who need to start their own businesses. The loan process is as follows:

1. Apply for an interest-free loan from the employment and social security department where the household registration is located;

2. Submit the application materials for rural interest-free loans, including personal valid ID card, poverty certificate, loan use certificate, etc. ;

3 guarantee institutions and handling banks shall review and investigate the information of the applicant;

4, after the audit, farmers and the handling bank signed a loan contract;

5. Bank lending, the cycle is between half a month and one month.

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Repayment method:

(1) Matching principal and interest repayment method: that is, the sum of loan principal and interest is repaid by monthly matching repayment. house

Most banks have adopted this method for commercial personal housing loans. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: a repayment method in which the borrower distributes the loan amount to each installment (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

(5) Repayment of all loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.

What conditions do rural interest-free loans need to meet and how to handle them?

First, the rural interest-free loan application conditions

Under some special circumstances, farmers can apply for interest-free loans from rural credit cooperatives for production and life. Then, what conditions do you need to meet to apply for interest-free loans from rural credit cooperatives?

To apply for a loan from a rural credit cooperative, four conditions must be met:

1. The borrower's family is in difficulty and needs state aid;

2. The borrower is honest and trustworthy;

3, the borrower to apply for loan support projects, is a national policy;

4. The borrower has full capacity for civil conduct and repayment ability.

Second, the process of rural interest-free loans

Information needed for interest-free loans

Student loan: university admission notice, student ID card or study certificate issued by the university, and personal and co-borrower identification. Poverty certificate issued by community neighborhood committee and village committee.

Entrepreneurship loan: laid-off workers who apply for entrepreneurship loan must submit a copy of the Re-employment Concession Certificate issued by the labor and social security department; College graduates are required to submit a copy of graduation certificate and unemployment certificate issued by the labor and social security department; Ex-servicemen must hold a copy of the discharge certificate and unemployment certificate issued by the labor and social security department.

Is there an interest-free loan in the countryside? How can I get a loan?

If there is an interest-free loan policy in rural areas, you can consult the local rural cooperative credit cooperatives.

Generally speaking, you need to bring your ID card, personal assets certificate and guarantor. You should specifically ask the local bank.

The "zero interest rate" of interest-free loans is a loan contract reached between banks and individuals or organizations through mutual trust.

General international private commercial banks give interest-free loans. Including wedding expenses or bank loans, such as shopping or further study. A handling fee of 1% will be charged, which is the income of a bank.

At least offset the administrative expenses, and then the bank will cooperate with the request to join the credit card or wedding photography or various members or open a trading account with interest-free loans. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.

How to borrow interest-free loans in rural areas

First, let's look at the following conditions for farmers to apply for interest-free loans:

1. The loan is used for projects supported by the state.

Projects supported by the state in rural areas include planting, breeding and infrastructure construction. Before applying for an interest-free loan, the purpose of the loan must be to develop these projects.

2. The loan applicant has financial difficulties.

The purpose of providing interest-free loans by the state is to support some people in rural areas who have entrepreneurial ideas but are economically poor. Therefore, if the applicant is in good financial condition, he cannot apply for an interest-free loan.

3. The applicant has repayment ability.

Although it is an interest-free loan, farmers must be able to repay it, otherwise, the bank will not approve it.

4. The applicant has good credit.

When farmers apply for interest-free loans, banks will also review the applicant's credit status. If the credit is poor, they will not be eligible for interest-free loans.

Then, let's take a look at the specific process of farmers applying for interest-free loans:

1. Apply to the employment and social security administrative department where the registered permanent residence is located and submit the materials;

2 guarantee institutions and handling banks shall review and investigate the information of the applicant;

3. The guarantor signs a counter-guarantee contract with the guarantee institution;

4, after the audit, farmers and the handling bank signed a loan contract;

5. Waiting for a bank loan.

On interest-free loans for poverty alleviation in rural areas

Conditions for applying for interest-free loans for poverty alleviation in rural areas:

1. The borrower must have full capacity for civil conduct and be a citizen of People's Republic of China (PRC).

2. The purpose of the loan is clear and legal, and you can't do anything illegal and harmful to society, nor can you use it for other purposes.

3. The loan amount, term and currency should be reasonable, and the loan amount and time should be reasonably determined according to one's own ability.

The borrower has the willingness and ability to repay, so it is not difficult to borrow again.

5. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record. Speaking of credit is a traditional virtue of our country. Don't lose our tradition because of financial interests. Lack of credit will be a stain on your life.

6. Have the ability to repay the loan principal and interest on schedule. Have a risk assessment and early budget for the project you want to do, and be responsible for loan repayment and project.

7. The borrower's family is in difficulty and needs state aid.

8. The borrower is honest and trustworthy.

9. The project that the borrower applies for loan support is a national policy.

10. The borrower has full capacity for civil conduct and repayment ability.

This is a rural interest-free loan and a rural interest-free loan of 200,000 yuan launched at the end of the year. I wonder if you have found the information you need?