Although agriculture is developing rapidly now, there are still many traditional farmers who contract for farming, which is their only way out. No matter what you do, you need a certain amount of money, so can you apply for a loan in the countryside? In fact, there are many loan products. Let's briefly introduce the loan products suitable for contractors today.
1. contractor loans In fact, there are many farmers who start businesses in rural areas, and they earn profits through contracting. Venture loan refers to the venture loan issued by banks to agriculture, forestry, animal husbandry, fishery, industry, handicrafts, commerce, service industry, production service industry and other contractors. Second, the auxiliary loan type (1) agricultural loan of the contractor; (2) Forestry loans from contractors; (three) the contractor's animal husbandry loan; (4) the contractor's fishery loan; (5) Handicraft and industrial loans of the contractor; (6) Contractor's service loan; (7) The contractor's production service loan. Different banks have different standards. Basically most banks have similar products. You can consult rural credit cooperatives, agricultural banks and city commercial banks, and there will be relevant policies. 3. Can rural areas apply for loans? Of course. Different from individual or small and medium-sized enterprise loans, rural contracted loans need to obtain certificates and business licenses recognized by relevant departments. To apply for auxiliary loans such as rural animal husbandry, you must hold a "contract" or certificate signed with rural economic organizations. Rural loan amount: 1. Suitable for production, the loan amount generally does not exceed 60% of the product sales income or annual net income in a production cycle, and must have 30%~50% of its own funds; 2, production equipment loans, the amount is generally not more than 50% of the equipment price.
2. Can rural professional cooperatives apply for loans? What is the specific process?
First, farmers' professional cooperatives to apply for loans to rural credit cooperatives shall meet the following conditions:
(1) Approved and registered by the administrative department for industry and commerce, and obtained the legal person business license of farmers' professional cooperatives;
(two) have a fixed place for production, operation and service, and engage in farmers' production, operation and service activities according to law, and the proportion of its own funds shall not be less than 30% in principle;
(three) a sound organizational structure and financial management system, and can submit relevant information to the rural credit cooperatives on time;
(4) Open a deposit account in a rural credit cooperative and accept it voluntarily.
(five) the credit rating is above A, and it has the ability to repay the principal and interest of the loan, and there are no non-performing loans and interest arrears;
(6) Holding a loan card issued by the People's Bank of China and passing the yearbook;
7. letter
Second, go through the formalities.
(1) Accepting applications
Customers apply for loans, submit written applications and
(2) Investigation and review
Investigate and review the applicant and the application matters.
(3) Examination and approval
According to the examination and approval procedures and authority.
(4) billing
Sign loan contracts with customers, implement relevant guarantee measures, and handle account opening procedures.
Extended data:
Farmers' professional cooperative is an organization based on rural household contract management, which provides services such as sales, processing, transportation and storage of agricultural products, as well as technology and information related to agricultural production and management, to achieve mutual assistance. Since its establishment, there has been economic mutual assistance. There is a certain organizational structure, and members enjoy certain rights and assume certain responsibilities.
5. Citizens with civil capacity, enterprises, institutions or social organizations engaged in production and business activities directly related to the business of farmers' professional cooperatives may use the services provided by farmers' professional cooperatives to recognize and abide by the procedures for joining cooperatives stipulated by farmers' professional cooperatives, and units with the function of managing public affairs may not join farmers.