Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.
It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money are as low as 0.02% daily interest rate and 7.2% annualized interest rate, which are characterized by simple application, low interest rate, quick loan, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
Can I borrow directly with a farmer's loan certificate?
At present, it can be handled at the Postal Savings Bank and rural credit cooperatives. You can go to the local counter for details.
Farmers' credit rating and credit granting:
(1) Farmers or farmers apply to credit cooperatives or postal savings banks.
(2) Credit officers should evaluate the submitted applications and conduct detailed investigations on farmers, including:
1, check the applicant's valid identity documents, and examine whether the applicant is a farmer in this area and has full capacity for civil conduct;
2, whether the applicant or family members have the ability of labor production or management;
3. Verify your property and income;
4, the loan demand is in line with national regulations;
5. Whether the applicant has credit problems in the credit investigation;
6. Consult the village committee and villagers' representatives about the credit status of the household;
7. Other relevant information. Account managers (loan officers) should rely on village committees and villagers' representatives to carefully evaluate farmers' credit rating through appraisal, fill in the Farmers' Economic Archives according to the survey content, and put forward preliminary opinions on credit status evaluation. The credit business examination and approval team regularly or irregularly holds a meeting to evaluate the credit rating of farmers, evaluates the reported farmers, and issues farmer loan certificates according to the evaluation results, clearly indicating the credit rating and loan amount. The approved loan amount shall not exceed 70% of the comprehensive income of farmers in that year (excluding other debts to be repaid in that year). "The farmer's loan certificate shall be stamped with the official seal of the credit union and signed by the leader of the evaluation team, and issued by the farmer's loan certificate.
Loan issuance:
(a) farmers who have been rated as credit users apply for loans to credit cooperatives with their ID cards and "Farmers' Loan Certificate" and fill out the "Application for Farmers' Loan".
(two) the staff of the credit office carefully examined the valid documents such as the Application for Farmers' Loan, the Certificate of Farmers' Loan and the ID card, and verified them with the Economic Archives of Farmers.
(3) After the backstage staff of the credit cooperatives have verified that it is correct, they shall go through the loan procedures, sign the Credit Loan Contract for Farmers of Rural Credit Cooperatives with the borrower, and submit it to the accounting supervisor of the credit cooperatives for review before issuing loans.
(four) credit office staff at the same time to register the "farmers loan certificate" and "farmers' economic files".
(5) The borrower must sign the Application for Farmers' Loan, the Contract for Farmers' Credit Loan of Rural Credit Cooperatives and the IOUs, and affix their handprints.
You can apply for a precise poverty alleviation loan.
I. Purpose of application
Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.
Second, the application method:
1, poor households apply for direct loans from poor households;
2, poor households to apply for loans to poor households, poor households to large (enterprise) money, and large (enterprise) visa dividend agreement;
3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.
Third, the application conditions:
1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;
2. Hold valid identity documents, have repayment ability, and have no bad credit record;
3, engaged in production and business activities in line with national laws and regulations and industrial policies;
4. Have the willingness to lend and the ability to develop independently;
5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;
6. Lenders need to sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.
How to handle the loan certificate of rural credit cooperatives
The account manager of rural credit cooperatives evaluates and credits, and then issues loan certificates. With the loan certificate, you can borrow money from the credit union at any time. Just bring your ID card, household registration book and other documents. Usually you can borrow it on the same day. However, the total loan amount cannot exceed the credit line.
When rural credit cooperatives apply for loans, some rural credit cooperatives will require borrowers to apply for loan certificates that record personal credit records and repayment records.
Extended data
When issuing loans, credit cooperatives may appropriately relax the proportion of self-owned funds of loan customers under the conditions of complying with national policies, decrees and loan principles, ensuring economic benefits and timely recovery. For working capital loans, according to the fixed current assets of enterprises, the proportion of self-owned working capital shall not be less than 30%; Fixed capital loans, calculated according to the total investment of the project, the proportion of self-owned funds is not less than 50%.
For agricultural development projects, the above two ratios can be appropriately reduced. In terms of loan term, it can be long or short, with the longest working capital loan of two years and the longest fixed capital loan of eight years.