1. What are the application requirements for Agricultural Finance Easy Loan?

1. The applicant is between 18 and 70 years old (60 years old for women), a natural person with full civil capacity and good health;

2. Have legal and reliable financial resources , and the projects engaged in operations must comply with relevant regulations such as national industrial policies and have the ability to continue operating;

3. The applicant has a good credit status, no bad credit record, and the ability to repay the loan;

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4. There is a clear and legal purpose for borrowing, and the purpose of the loan must be true and clear;

5. Open mobile banking or online banking at branches within the jurisdiction;

6 , other conditions stipulated by rural commercial banks.

2. What are the requirements for rural loans?

The conditions for banks to apply for loan business:

Natural persons aged 18 to 65 years old;

The actual age of the borrower plus the loan application period should not exceed 70 years old;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit report, no bad delinquencies Records, the loan purpose is legal;

Other conditions specified by the bank.

3. Application conditions for Jinnong Yidai Card

Conditions for general farmers and urban and rural residents to apply for Jinnong Yidai Card:

1. Aged 18 years old and above, and be 60 years old and below, have full capacity for civil conduct, and be in good health.

2. Have local urban and rural permanent residence or valid residence certificate.

3. Completed the application procedures for "Jinnong Yidai Funong Card" and opened electronic banking products.

4. Provide production and operation status certificates to Anhui Rural Credit Cooperatives Federation from time to time.

5. Strictly implement the agreed purposes, and do not use funds for stock speculation, gambling, etc.

6. Comply with other regulations proposed by the Anhui Federation of Rural Credit Cooperatives.

The conditions for self-employed businesses to apply for the Jinnong Yidai Card:

1. Be 18 years old or above and 60 years old or below, have full capacity for civil conduct, and be in good health .

2. Hold a valid business license issued by the industrial and commercial administration department for annual inspection. In principle, individual industrial and commercial households need to have continuous normal operation for more than one year.

3. The business premises and household registration of individual industrial and commercial households must be within the service area of ??the Anhui Rural Credit Cooperatives Union.

4. Strictly fulfill the agreed purposes and do not use funds for stock speculation, gambling, etc.

5. Comply with other regulations proposed by the Anhui Federation of Rural Credit Cooperatives.

Applicants can go to the Anhui Federation of Rural Credit Cooperatives for consultation on specific matters.

4. After the Nongjin Easy Loan Card has expired and the money has been paid off, can I apply for loan renewal again? What conditions are required?

To renew the loan, the following four conditions need to be met at the same time: (1) The borrower’s production and business activities; (2) The loan principal is reduced by more than 5%; (3) The loan guarantee is valid; (4) It is a working loan .