Farmers refer to small natural person loans granted by Agricultural Bank of China to individual family members of farmers. Only one family member per household can apply for farmers.

Borrowers applying for farmers' loans must meet the following conditions:

1. The age is above 18 years old (inclusive), 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 (inclusive); Have a fixed residence or business premises in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents;

2. According to the Measures for the Administration of Credit Rating of Personal Loans for Agriculture, Countryside and Farmers of Agricultural Bank of China, the credit rating result of customers is average or above;

Three, a stable source of income, with the ability to repay the principal and interest on schedule;

4. The production and operation activities are legal and compliant, in line with the national industrial, industrial and environmental policies, and the loan is used legally;

Five, good conduct, no overdue loans when applying for loans (approved by the head office or branches, except for overdue loans due to major natural disasters or policy reasons);

6. Other conditions stipulated by the lender. Consult the local Agricultural Bank in detail.

For more information, please visit official website () of Agricultural Bank of China.

Interim Measures for the Administration of Micro-credit Loans of Rural Credit Cooperatives: Release Date

1July 2, 9991Interim Measures for the Administration of Small Credit Loans of Rural Credit Cooperatives issued by the People's Bank of China.

Can I get a loan without a real estate license?

Legal subjectivity:

If your house has no real estate license, the bank will definitely not lend you money. There is a simple reason. You are dealing with a real estate mortgage loan, and the necessary information for the bank to verify the authenticity of your real estate rights is the real estate license. No real estate license means that you only have the right to live in the house and have no right to use it. The bank's requirements here are strict, and you can't get a loan without a real estate license. However, if you are in a hurry to use money, you can apply. As long as you have a stable and legal income source and good credit in the bank, you can apply directly. The loan amount is mainly related to the borrower's income and credit status.

Legal objectivity:

Article 13 loan conditions of the Measures for the Administration of Farmers' Loans. Farmers applying for loans should meet the following conditions: (1) Farmers apply for loans on a household basis, and it is clear that a family member is the borrower, and the borrower should be a citizen of People's Republic of China (PRC) with full civil capacity; (two) domicile, fixed residence or fixed business premises in the service area of rural financial institutions; (3) The purpose of the loan is clear and legal; (4) The amount, duration and currency of the loan application are reasonable; (5) The borrower has the willingness and ability to repay; (6) The borrower has no significant bad credit record; (7) Opening settlement accounts in rural financial institutions; (eight) other conditions required by rural financial institutions. Article 14 the purpose of the loan. The use of farmers' loans shall comply with the provisions of laws, regulations and relevant state policies, and farmers' loans without specified purposes shall not be issued. According to the classification of uses, farmers' loans are divided into farmers' production and operation loans and farmers' consumption loans. (1) Loans for farmers' production and operation refer to loans issued by rural financial institutions to farmers for production and operation activities, including loans for farmers' production and operation of agriculture, forestry, animal husbandry and fishery and other loans for farmers' production and operation. (2) Farmers' consumption loans refer to loans issued by rural financial institutions to farmers for their own and family consumption, medical care, learning and other needs. Farmers' housing mortgage loans shall be handled in accordance with the Regulations on the Administration of Mortgage Loans of Banking Financial Institutions. Article 15 Types of loans. According to the classification of credit forms, farmers' loans are divided into credit loans, secured loans, mortgage loans and portfolio secured loans. Rural financial institutions should actively innovate mortgage and pledge guarantee methods, enhance farmers' credit enhancement ability, and control farmers' loan risk level. Article 16 the loan amount. Rural financial institutions shall, according to the borrower's production and operation status, solvency, real loan demand, credit status, guarantee methods, their own funds and local rural economic development level, reasonably determine the amount of loans for farmers. Article 17 Term of loan. Rural financial institutions should reasonably determine the loan term according to the production cycle, sales cycle and comprehensive repayment ability of loan projects. Article 18 loan interest rate. Rural financial institutions should comprehensively consider the factors such as farmers' loan funds and management costs, loan methods, risk levels, reasonable returns, farmers' production and operation profit margins and requirements for supporting agriculture and benefiting farmers, and reasonably determine the interest rate level. nineteenth

What do rural credit cooperatives need for loans?

Credit cooperative loans are mainly rural credit. Generally, the lender is required to have a fixed residence in the rural credit cooperative area. The lender must be the head of a rural household, and the lender has no bad credit record and good personal credit. Moreover, the loans of rural credit cooperatives are mainly used for the operation of sound agricultural fields such as agriculture, forestry, animal husbandry or fishery.

Apply in the local rural credit cooperative and provide relevant information. As long as your investigation is conducted by the lending institution of the credit union, the credit union will report the lender's information to the relevant departments for approval. After the approval, the credit union will sign a loan contract with you, go through the relevant formalities, and then the lender will wait for the credit union loan.

Rural credit cooperatives loan procedures:

1. Local permanent residents with legal identification and full capacity for civil conduct;

2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule;

3. There are legal and valid housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions.

4. There are funds above 20% (inclusive) /40% (inclusive) of the total price of the purchased house as the down payment.

5. Having assets recognized by this institution as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this institution as guarantors.

6. Other conditions required by urban credit cooperatives.

Extended data

Purpose requirement

Article 1 In order to improve the credit service level of rural credit cooperatives (hereinafter referred to as credit cooperatives), increase the credit input to farmers and agricultural production, simplify the loan procedures, and give full play to the role of credit cooperatives in supporting agriculture, these Measures are formulated in accordance with the General Principles of Loans and other relevant laws and regulations.

Article 2 Micro-credit loans for farmers are micro-credit loans granted by credit cooperatives with the credit status of farmers as the guarantee within the approved quota and time limit.

Article 3 The management mode of micro-credit loans for farmers is "one-time approval, use with loans, balance control and recycling".

Fourth farmers' small credit loans should use farmers' loan vouchers. The loan certificate shall be based on farmers, and each household shall have one certificate, which shall not be leased, lent or transferred.

Distribution management

Article 10 For the farmers whose loan quota has been approved, within the time limit and quota, farmers can apply for loans to credit cooperatives with loan vouchers, household registration books or ID cards, or they can be directly distributed to farmers' homes by credit personnel of credit cooperatives according to farmers' requirements, and fill in the IOUs one by one.

Eleventh credit cooperatives should set up a registration ledger with households as the unit, and change the ledger according to the changes.

The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail.

Twelfth farmers who arbitrarily change the purpose of loans, lease, lend and transfer loan vouchers should immediately cancel their qualifications for micro-credit loans.

Thirteenth after the loan is issued, the loan officer should often go deep into the farmers to understand and master the production and operation of farmers and the use of loans, and strengthen the post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team.