1. Small natural person loans granted to individual members of farmers. Only one family member in each household can apply for farmers' loans.
2. Loan purpose: the financing needs of farmers' production and life.
3. Loan terms:
(1) is over 18 years old (including 18 years old), and the sum of the age at the time of applying for the loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.
(2) According to the Administrative Measures of Agricultural Bank of China on Credit Rating of Three Rural Customers, the credit rating result of customers is medium or above.
(3) should have a stable income and the ability to repay the loan principal and interest on schedule.
(4) Production and business operation activities conform to national laws and regulations and industrial policies.
(5) Good conduct when applying for loans, and no overdue loans.
(6) Other conditions stipulated by the lender.
Extended data:
Jinsui Huinong Card is a comprehensive bank card product developed by Agricultural Bank of China based on Jinsui debit card business platform and issued to all farmers. As one of the debit card products, Huinong Card has basic financial functions such as cash deposit and withdrawal, transfer settlement, consumption, wealth management, online operation and real-time entry.
On this basis, the Huinong card can also be used as a carrier for farmers to distribute, a direct channel for financial subsidies, a voucher for social insurance and a safe channel for capital exchanges, providing farmers with convenient, fast and thoughtful financial services in agricultural production, social security and personal finance. Jinsui Huinong Card
Huinong Card can be used in all outlets and self-service machines of Agricultural Bank of China, and can also be used in all self-service machines and merchant POS with UnionPay logo. Jinsui Huinong Card not only has many financial functions such as cash deposit and withdrawal, transfer settlement, consumption and wealth management, but also provides cardholders with many special service functions such as transaction details discount, farmers' carrier, rural social security and medical insurance identification and fee payment, rural public utilities collection and payment, financial subsidy agency and so on.
Second, how to apply for a loan with the Huinong card?
Huinong Card itself provides cardholders with services such as loans and financial subsidies. Let's teach you how to apply for a loan with Huinong Card. Pay attention to the micro-signal of China Agricultural Bank, click on the micro-loan-Huinong e-loan, then choose to apply immediately, enter your name, ID number, mobile phone number and verification code, and agree to the authorization of personal credit, face recognition and data use, so you can apply for Huinong card loan online.
However, it should be noted that the processing time for the loan business of Huinong Card is 7:30- 19:30, so please handle it during working hours.
3. What documents or procedures are needed to apply for a loan with Huinong Card? Do you need a marriage certificate?
Huinong credit card: one card for each household in rural hukou; The head of the household or the head of the household designates family members.
Need civil servant guarantee. Original and photocopy of ID card and household registration book, ID card and photocopy of guarantor. When granting credit, the householder or the designated person will take the spouse and guarantor to the bank, fill out the form and sign it. The quota is 65438+ 20,000 civil servants and 50,000 civil servants. According to local specific regulations. Huinong card loans can only be used by rural hukou holders. In several levels, you can borrow 50,000,150,000, 500,000. Three households need joint insurance, three households must be in the same village, all married, and the loan needs to go to the local agricultural bank. The loan interest rate is 6.903. Huinong card loan can be used at any time after the formalities are completed. You don't need a loan, you can repay it at any time, and it's convenient to use it when and how much. Now the 50 thousand loan is signed for three years and can be used at any time. The remaining one will be signed for one year. Four, how to repay the Agricultural Bank of China Huinong card loan?
Agricultural Bank of China Huinong card loan repayment period within one year (inclusive) of the loan, take interest with the principal, quarterly (monthly) interest settlement due to repay the principal.
Small natural person loans granted to individual farmers. Only one family member in each household can apply for farmers' loans. There must be no non-performing loans or default or overdue repayment, otherwise the guarantee team needs to be replaced. The credit line of this loan ranges from 5,000 yuan to 50,000 yuan. Generally, the signing period is three years, and the longest loan period is one year. More conveniently, this kind of loan is in the form of borrowing and repayment, which can be repaid in advance and renewed immediately after repayment is completed.
Extended data
(2) After verifying the applicant's information, the village committee and other cooperative institutions will submit the application materials to our local outlets in batches for review;
(3) For those who meet the conditions for issuing cards, outlets will open cards in batches in the system (but they will not be activated), and submit the cards and lists that have been opened to cooperation institutions such as village committees for signing;
(4) The village committee and other cooperative institutions will send the card to the applicant for signature according to the list;
(5) The applicant holds the original Huinong card, household registration book and resident ID card to the local branch of the bank for card encryption activation (door-to-door activation service can be provided according to the situation). The activated Huinong card can be used normally.