1. The applicant's family is in difficulty and needs state support. Interest-free loans and other policies are mostly to support vulnerable groups. Although China's economy has developed rapidly, there are still some families who are not out of poverty. In order to help them get rid of poverty as soon as possible and achieve the goal of getting rich together, the state has issued interest-free loans to these poor households in rural areas, provided them with funds for production and living, and sought ways to get rich.

2. The applicant is honest and trustworthy. Only those farmers with good character and good prospects can easily get through when they apply for interest-free loans in rural areas. Although they are in financial difficulties, they have a good reputation. They work hard with the money obtained from interest-free loans and can keep their promises and repay on time. On the contrary, those farmers with poor character, poor reputation and bad faith have to bear greater risks when lending money to them, and it is difficult to pass ordinary loans, let alone interest-free loans.

Three, the applicant's loan is used for projects supported by the state. Farmers who produce and develop agriculture and aquaculture supported by the state in rural areas are eligible to apply for interest-free loans in rural areas. Agriculture, rural areas and farmers have always been the leading factors in China's economy, and national policies have also supported some rural production activities. Giving these producers the ability to apply for interest-free loans in rural areas can better stimulate their enthusiasm.

Four, the applicant has the ability to repay. Loans from any institution must be repaid in the end, and applicants for rural interest-free loans must also have the ability to repay in full and on time, otherwise credit cooperatives will not give you loans.

What materials are needed:

1. Original and photocopy of ID card and household registration book, proof of marital status (original and photocopy of spouse ID card and household registration book are required for married persons), and proof of business premises.

2. Original and photocopy of individual business license and tax registration certificate. Original and photocopy of individual business license and tax registration certificate.

3. Guarantee application form. And provide guarantor materials (including guarantor's ID card, ID card, copy of household registration book, on-the-job certificate with official seal, and work income certificate; Letter of commitment (if married, both husband and wife need to sign and press their fingerprints) and other materials.

Conditions for low-income households to apply for an interest-free loan of 50 thousand yuan

Sometimes low-income families need money badly. In this regard, some people ask whether the low-income households can get loans. Of course, the state has issued a policy of applying for a loan of 50,000 for low-income households, which is specially designed for poor households. And I don't charge interest, and I also bring the condition of interest-free loan.

In fact, everyone will encounter financial difficulties, of course, low-income households are no exception, in order to facilitate low-income household loans and solve capital needs. The state has introduced an interest-free loan policy of 50,000 yuan for accurate poverty alleviation, and interest-free repayment is possible. Now let's take a look at the process of applying for 50 thousand yuan for low-income households.

Applying for interest-free loans belongs to financial poverty alleviation. At present, the 50,000 yuan interest-free loan for poor households is funded by credit cooperatives, which means that poor households do not have to repay the loan interest, and the finance will give you preferential treatment. This 50,000 yuan loan is mainly used for poor households to develop industrial funds.

Conditions for applying for an interest-free loan: 65,438+0. China citizens must be at least 18 years old, and the maximum age is 45 years old, and the applicant has full repayment ability. 2. If you have a permanent residence and can provide the real estate license and household registration book of the residence, the applicant who wants to apply for an interest-free loan must apply at the place where the household registration is located. 3, must have a good reputation, can not have a bad record and repayment ability, such as a stable job, or proof of self-employment and proof of its own funds.

4. Borrowing should conform to the regulations and have good economic and social effects, that is to say, it is a project supported by the state, such as accelerating rural development and self-employment. 5. The lender's family is poor. Generally, poor rural families can enjoy Wuxi loan, which supports the development of rural industries on the one hand and rural families on the other; In recent years, China's support for rural areas has been increasing.

Materials and procedures required for interest-free loans: 1. Applicants must provide ID card, original and photocopy of household registration book, and proof of marital status. If you are married, you must provide your spouse's ID card, the original and photocopy of your household registration book, and proof of your business place. 2. In addition, relevant materials of the guarantor shall be provided, including the guarantor's ID card, a copy of the household registration book, an on-the-job certificate stamped with the official seal, a work income certificate, a letter of commitment, etc.

3, voluntary declaration by poor households, and then audited by county, township and village financial poverty alleviation service organizations, participating banks approve loans in batches according to procedures, and the loan amount depends on the actual situation of poor households, with a maximum loan of 50,000 yuan per household.

Is it a lie for rural credit cooperatives to borrow 50 thousand 5 years to say that they don't want interest?

It is a lie for rural credit cooperatives to borrow 50 thousand 5 years to say that they don't want interest. This kind of loan is a rural individual production and operation loan, which refers to a large loan issued to a single member of a farmer's family to meet the capital needs of its large-scale production and operation. In principle, not more than three years, engaged in forestry, fruit industry and other production and business activities with a long production cycle, can be extended to eight years.

50,000 yuan borrowed by poor rural households is interest-free for three years. What should I do if I can't even pay back the principal by then?

But what if poor rural households like this don't even pay the principal by then? What measures will the bank take? For these two problems, the bank will deal with them according to the specific situation of poor rural households and why there is no principal repayment. There are generally three situations.

First, poor households are really completely unable to repay.

These rural poverty alleviation policies are supported by institutions in various regions, so if poor rural households do not invest this money for some special reasons, there is nothing at home and there is no repayment ability at all. After investigation and confirmation by institutions, perhaps this debt needs to be handled through consultation between local institutions and banks.

It is also possible that this 50,000 yuan will be repaid by the organization, or the organization will help the poor households to repay the debts of this bank slowly, and negotiate with the bank to continue interest-free and slowly repay in installments.

Second, poor rural households deliberately delay.

If the bank gives 50,000 yuan to poor rural households to avoid three-year interest, and farmers make money through venture capital, or farmers have the repayment ability to deliberately delay repayment, in this case, the bank will definitely take certain measures to make farmers pay back the money.

For example, the bank will notify the repayment by phone or SMS, but it still doesn't pay back, so it can only be packaged and handed over to the dunning company, or this situation can be reported to the institution to solve the debt through the institution. The worst plan is to appeal to the bank, ask farmers to repay through legal channels, and take compulsory repayment measures.

Third, farmers' loans and entrepreneurship are subject to irresistible risk losses.

Farmers use this money to start businesses, because local disasters, such as earthquakes, floods and other natural disasters have caused losses, and farmers can't pay back this money for the time being.

In this case, the general organization will evaluate the losses of farmers according to natural disasters. If they really suffer serious losses, the organization will negotiate with the bank to either complete the repayment or repay in installments, and the organization may also help farmers solve the debt problem through natural disaster subsidies.

In a word, interest-free bank loans to poor households are poverty alleviation projects in rural areas of China. Farmers will not deal with the money reasonably according to different situations, and what measures to take depends on the situation.

The loan of rural commercial bank is 50,000 years without interest.

The rural commercial bank borrows 50,000 yuan, which is interest-free for 5 years.

First, the main contents of the loan discount

This is a discount policy, mainly an interest-free loan of 50 thousand yuan, which can be enjoyed by all eligible objects in rural areas.

Two, rural 50 thousand yuan interest-free loan object

1. Agricultural industrialized enterprises, new agricultural business entities and other related enterprises that can drive poor households out of poverty.

2. Establish a file for poor households to increase their operating income.

3. Persons who declare planting, breeding or engaging in business processing and other projects that can make them rich.

4. People with repayment ability.

Poor households can borrow up to 50,000 yuan a year.

Three. Conditions for 50,000 interest-free loans in rural areas

1. China citizens with full capacity for civil conduct aged between 18-45.

2. Proof of having a fixed residence and business premises:

The certificate of fixed residence can be the real estate license, and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, so as to show that the loan object is engaged in normal production and business activities.

3. Proof of funds:

The loan applicant's investment projects require him to have certain self-owned funds, which is an important condition for banks to measure whether to lend.

4. Opening of settlement account:

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

5. The loan needs to provide certain guarantee:

The loan applicant provides several forms of guarantee, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, it is best to provide banks with some information such as their own credit status, repayment ability and loan investment, which will improve the integrity of loans and make the loan process smoother.

6. The reputation must be good and there is no bad record.

7. The project set up by the lender shall conform to the national industrial policy and regional economic development, and have good economic and social benefits. You can go to the local labor department for detailed consultation.

Under the current circumstances, whether the individual pays interest first, then the financial subsidy, or the financial repayment of interest in advance, the relevant plan has not yet been determined, but there will definitely be a financial discount.

Four, the rural 50 thousand yuan interest-free loans required materials and processes.

1. Provide various certificates:

Applicants are required to provide ID card, original and photocopy of household registration book, proof of marital status (if married, spouse ID card, original and photocopy of household registration book are required) and proof of business premises. Original and photocopy of business license and tax registration certificate of individual industrial and commercial households, original and photocopy of business license and tax registration certificate of individual industrial and commercial households.

2. Guarantee application form:

In addition, the guarantor's relevant materials (including the guarantor's ID card, ID card, copy of household registration book, official seal of employment certificate, work income certificate, letter of commitment (if married, both husband and wife need to sign their fingerprints) and other materials.

The above are some related contents about 50,000 yuan interest-free loans in rural areas introduced by Bian Xiao. Friends in need can carefully check whether they meet the application conditions. If it meets the requirements, you can prepare relevant materials according to the handling process.

In addition, all of us should also thank the country for its support and help to the countryside. With the national policy, our life can move towards happiness and prosperity more quickly.