It is difficult to get loans for self-built houses in rural areas. Unless you have a house in the city and then borrow money to build a house in several rural areas, banks are generally reluctant to lend money to a house on a homestead.
What are the conditions for an interest-free loan of 200,000 yuan for rural hukou? Come and see if you are eligible for a loan!
In terms of loan policy, the state has always taken care of the countryside. In the process of sustainable development, rural areas have always been the focus of national attention, and many credit products have certain benefits for rural areas, such as interest-free loans. A friend asked, what are the conditions for an interest-free loan of 200,000 yuan for rural hukou? Come and see if you are eligible for a loan!
What are the conditions for an interest-free loan of 200,000 yuan for rural hukou?
1, personal credit is good.
If you want to apply for an interest-free loan of 200,000 yuan in rural areas, the lender needs good personal qualifications. First of all, the personal credit report can't have a record of high debt ratio and overdue, nor can it be a pure white household, otherwise it is difficult to apply for an interest-free loan. Secondly, if the lender is married, the spouse's personal credit information cannot have a bad record, otherwise it will affect the approval of the loan.
2. Loan application project
Users who want to apply for an interest-free loan of 200,000 yuan in rural areas must fill in the project application form. After the lender applies for a loan, it must be used for feasible projects supported by the state, such as aquaculture and automation, otherwise it is difficult for the lender to apply for an interest-free loan.
3. Solvency
Lenders who want to apply for an interest-free rural loan of 200,000 yuan must have full repayment ability when submitting loan materials. 200,000 is not a small sum. If it is a newly-started lender, the bank may not pass the loan application if the project has not started or the profit is not enough.
According to the regulations, the amount of interest-free loan applied by the lender cannot exceed 70% of the total liquidity required for normal production and business activities, purchase of small equipment and franchise chain operation.
The above is the related content sharing of "200,000 interest-free loans for rural hukou", hoping to help everyone!
I want to borrow 200 thousand. Can I get a loan from a rural credit cooperative?
Rural credit refers to the sales expenses such as using seeds and breeding for farmers with rural household registration. Of course, buying a house is also acceptable. Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required. Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently. If the guarantor is out of town or out of town, that's impossible. Of course, it does not meet the conditions of guarantee. Just find someone to vouch for it. Four. There are many conditions for granting loans, so it is best to consult the local credit cooperatives. For example, the borrower needs an ID card and a marriage certificate (unmarried certificate). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.
Conditions for rural credit cooperatives to borrow 200,000 yuan
The loan conditions of rural credit cooperatives are as follows:
I. Basic conditions
1, the business license of the enterprise as a legal person or the business license is valid;
2. Open a basic account or general account in a credit cooperative;
3. The enterprise holds a loan card issued by the People's Bank of China;
4 obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time;
5. Having fixed business premises and facilities;
6. Sound financial management system and standardized enterprise management.
Second, policy.
1. The business activities of the enterprise comply with national laws and regulations;
2, the loan object must meet the requirements of the people's Bank of China and rural credit cooperatives credit support object;
3. There is no loan relationship with other banks and credit cooperatives. Enterprises must borrow in a credit cooperative, and there is no problem of multi-head loans;
4. Enterprises shall operate within the jurisdiction of credit cooperatives that issue loans, and shall not lend across regions.
Three. Feasibility of the project
1, raw materials have sources, and the supply of raw materials is intended to be agreed;
2, the product quality is qualified, there is a long-term stable market, and the product sales are intentional agreements;
3. There are considerable profits and good economic benefits;
4. The enterprise has technical support for production;
5. The proportion of external liabilities to total assets of the enterprise is less than 70%. For working capital loans, the proportion of enterprise's own assets to total assets must be greater than 30%; For fixed assets loans, the proportion of enterprise's own assets to total assets must be greater than 50%;
6. Self-raised funds for new projects must be above 50%, with proof of registered capital;
7. New projects must have the approval documents of relevant departments.
Fourth, the security of loans.
1, the guarantor must have sufficient economic strength and the ability to repay the loan instead, and must be an enterprise with legal personality, other economic organizations, individual industrial and commercial households or a natural person with full capacity for civil conduct;
2 collateral must be fixed on the ground and easy to realize, and the loan amount must be controlled within 70% of the collateral;
3. Pledges, vouchers and rights are true and clear, and bills are legal and valid.
Verb (short for verb) The benefits of a loan.
There are clear and reliable channels to repay the loan principal and interest, and the enterprise can take out certain funds to repay the loan principal after settling the interest every year.
Sixth, the integrity of enterprises.
The enterprise has no behavior of evading and abolishing debts, and has no history of maliciously defaulting on loans and payment from credit cooperatives and other banks, other units and individuals.
Seven, the requirements of rural credit cooperatives
1. On the premise of supporting agriculture, the funds organized by the credit cooperatives themselves have enough surplus funds to issue this loan. Only100000 company loans can be issued for every 50 million yuan of surplus funds. May not borrow funds from the People's Bank of China to issue corporate loans or re-loans;
2. If this loan is granted, the proportion of the enterprise loan to the total loan of the credit cooperative cannot exceed 65,438+00%; The proportion of the top ten loans of a credit cooperative to the total loans cannot exceed 50%.
3, city and state associations, credit cooperatives must have a loan feasibility report, there are sufficient reasons for the loan, and there are improvement measures for the existing problems;
4. Most of the loan review committees of city and state associations and credit cooperatives agree, among which: the chairman and director must agree at the same time and mark the words "agree" respectively;
The main person in charge of the 5 city, state and union credit cooperatives must sign the words "true and correct" on all the loan information reported.
6, the responsibility of the loan (credit cooperatives, county association, city association loan officer, the leader in charge of credit, the main person in charge and other relevant personnel) should bear the responsibility.
Extended data
The loan of rural credit cooperatives refers to the behavior that natural persons or legal persons obtain funds from rural credit cooperatives in accordance with the prescribed conditions and procedures, and agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity.