Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Huinong e-loan is a convenient and efficient online loan product tailored by Agricultural Bank of China for farmers. A mobile phone can realize online application, online withdrawal and online repayment, and farmers can apply for loans without leaving home.
Loan amount: 3,000 yuan, up to 500,000 yuan. Term of the loan: determined comprehensively according to your production and operation cycle and income, and the longest term is no more than 8 years. Loan interest rate: determined comprehensively according to your credit status and guarantee method. Repayment method: according to the loan term, you can flexibly choose a variety of methods, such as regular interest settlement and installment repayment of principal and interest.
Huinong e loan fully supports the primary, secondary and tertiary industries such as planting, breeding, production and processing, trade and circulation in rural and suburban areas. Planting and breeding: cattle, sheep, pigs, chickens, rice, corn, wheat, tea, flowers and fruits. Production and processing: poultry, eggs, meat and milk food processing, manual workshops, rural workshops, etc. Commercial circulation: farmhouses, agricultural stores, small shops, noodle shops, barber shops, home appliance repair shops, logistics distribution centers, etc.
If you want to apply for e-loan, you need the applicant to have the following conditions: good conduct and good credit record; Have a fixed production and operation project and a stable source of income; Provide true, accurate and effective information on family assets, operations and income.
The application is simple, that is, online self-service application can be made through mobile banking, or the application can be submitted at the counter of outlets, and the mobile phone can repay the loan in minutes. The interest rate is favorable, the loan can be borrowed and repaid, and it can be recycled. The actual loan bears interest on a daily basis, and the unused loan does not charge interest.