Depending on personal work situation and ability: ranging from 10,000 to 300,000.

1. Loan application form;

2. Copies of the borrower’s couple’s ID cards, marriage certificates, and household registers;

3. Proof of purpose of borrowing;

4. If the borrower has a business license for entity operation, a copy is required. No business license is acceptable;

5. Guarantor’s ID card and income certificate (need to be at or above the county level) (Official seal of the unit);

6. If the guarantor uses real estate as a mortgage guarantee, the mortgagor needs to provide copies of the couple’s ID cards, marriage certificates, household registers, original and copy of the real estate certificate, and real estate evaluation report . (For residential real estate, a copy of the relevant certificate of the second housing certificate is required).

1. Accept loan applications. In accordance with the requirements of the loan regulations, the borrower submits a written loan application to the local bank where the account is opened, and attaches relevant information. If there is a guarantor, include relevant information of the guarantor.

2. Loan review. After accepting the loan application, the bank where the account is opened will conduct a comprehensive review of the feasibility of the loan, including filling in the borrower's basic information register, or the personal loan basic information register and the borrower's financial statistical analysis form, etc.

3. Loan approval. For loan applications that meet the loan conditions after review and evaluation, loan decisions will be made in accordance with the loan approval authority and loan approval procedures will be completed.

4. Sign a loan contract. For loans that have been reviewed and approved, both parties to the loan shall sign a written loan contract in accordance with the "Loan Contract Regulations" and relevant regulations.

5. Loan disbursement. Handle loan procedures based on the loan contract signed by the borrower and the borrower and the reasonable funding needs for production, operation, and construction.

6. Establish a loan register.

7. Create loan files. They are established separately according to borrowers, and the files must record the borrower's basic information, production and operation conditions, loan disbursement, credit sanctions, loan inspections, and economic activity analysis.

8. Loan supervision and inspection. After the loan is released, the borrower's implementation of the loan policy and loan contract shall be supervised and inspected, and policy violations and breach of contract must be promptly corrected.

When applying for agricultural planting loans in rural areas, the main conditions that need to be met are the following:

(1) The loan applicant must be 18 years old (inclusive) or above, and the age plus the loan period No more than 60 years old.

(2) Loan applicants should mainly grow bulk grain and cash crops. If the borrower engages in field planting, he must have land contract management rights obtained through legal channels, and the land is farmed independently by the borrower's family; if he engages in greenhouse cultivation, he must have a fixed greenhouse and legal certificate of use rights; If other forms of cultivation are carried out, their legality should be proven.

(3) Loan applicants should generally have more than 3 years of planting experience and have been operating continuously for more than 2 years.

(4) Have clear production and operation plans, feasible development plans, and stable and smooth product sales channels.

(5) The land planted by the loan applicant must enjoy relevant subsidy policies from the national or local government.

(6) Applicants with a loan application amount of more than 200,000 yuan are in principle required to insure the varieties they plant or agricultural facilities (greenhouses, etc.).