The specific process of this loan includes four processes: application (you)-review (bank)-loan (bank)-regular repayment of principal and interest (you) according to the contract. I'll give you some conditions and restrictions for applying for this loan, hoping to help you:

1. First of all, you must have a rural hukou, that is, a farmer, so that you can get a card and apply for a loan.

2, divided into two ways: single-family guarantee and three-family joint guarantee, which means there must be a guarantor. Single-family guarantee means that you must find a civil servant or employee of a public institution to guarantee for you, and three-family joint guarantee means finding three, and three guarantee each other.

If the borrower fails to repay the loan in breach of contract, the liquidated damages and compensation shall be borne by the borrower, and if the borrower is unable to bear it, the guarantor shall bear it.

4. Borrowers, guarantors and their spouses must have good credit records (that is, no non-performing loans, that is, default or overdue repayment), otherwise the guarantee team needs to be replaced.

5. Its credit line is 5000-50000. (The joint guarantee of three households can reach 654.38+0.5 million-654.38+0.5 million, which meets your credit line requirements. )

6. The loan term is three years (in fact, if you borrow it, you will pay it back. If you pay it back when you don't use it, there will be no interest.