Poverty alleviation loans need guarantors. Under normal circumstances, the government will provide a designated guarantee institution to provide the corresponding guarantee for the borrower, so the borrower does not need to find a guarantor himself, but only needs to find a guarantee institution designated by the government to issue guarantee materials. In order to ensure the safety of special loan funds, poor households with loans and files should provide counter-guarantee to the village committee by farmers and other personnel with certain economic strength or provide property mortgage to the village committee with land contractual management right, forest right and homestead use right (including ground attachments), and the mortgage area shall be subject to the ownership certificate of ownership registration; If the main members of the family have bad credit records, they should increase the collateral by 30% or increase the credit of 1-2 guarantor.

Under normal circumstances, the loan amount is calculated by households, and the amount that each household can issue is1-50,000 yuan. Poverty alleviation loans can be used to support borrowers to engage in planting, breeding, agricultural and sideline products processing, trade circulation, warehousing, e-commerce and other production and business activities. The loan amount can be used for many purposes. But it can't be used to build a house, marry a daughter-in-law or hold a banquet.