How about loans from rural credit cooperatives, how to handle them and what qualifications are needed?
Micro-credit loans for farmers refer to unsecured loans issued by rural credit cooperatives to farmers based on their reputation within the approved quota and time limit. The purpose and amount of loans should be audited, which is widely welcomed by farmers.
To apply for micro-credit loans, farmers should first apply to the local rural credit cooperatives for a "loan certificate"; Building houses and treating diseases around the front, middle and back of agriculture. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating, verify the credit loan amount of the corresponding level according to the evaluated credit rating, and issue loans after passing the examination.
It should be noted that the "loan certificate" is issued. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When accepting loan applications, postpartum service loans and purchasing daily necessities, rural credit cooperatives only issue loans for agricultural production costs such as planting and breeding in accordance with existing regulations; Agricultural machinery loans, the current loan amount is generally not more than 50 thousand yuan. Since this business was fully promoted nationwide in 2002, farmers can only use consumer loans such as secured loans and children's schooling in the form of micro-credit loans.
How to handle small loans of rural credit cooperatives,
Problem description: Do you need a mortgage? Please be more specific. Don't copy a lot for me. I didn't make it clear when I went to consult that day. I said I needed a guarantor. Can the guarantor be my own guardian?
The conditions and procedures required for small loans for farmers are as follows:
(a) Access conditions for farmers' microfinance
1, aged over 18 years old (inclusive), and the sum of the age at the time of applying for the loan and the loan term shall not exceed 65 years old (inclusive); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.
2. According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating is average and above.
3, should have a stable income and the ability to repay the loan principal and interest on schedule.
4, engaged in production and business activities, in line with national laws and regulations and industrial policies.
5. Good conduct and no overdue loans when applying for loans.
6. Other conditions stipulated by the lender.
(II) Loan amount The starting point of a small loan for a farmer is 3,000 yuan, and the maximum is not more than 50,000 yuan (inclusive).
(III) Duration The duration of small loans for farmers should be determined according to the production and operation cycle and comprehensive income of farmers. 1. If the general loan method is adopted, the loan period shall not exceed 3 years, but it may be extended to 5 years for those engaged in production and business activities with long recovery cycle such as forestry and fruit industry. 2. If self-service recycling is adopted, the revolving loan amount shall not exceed 3 years. Generally, the term of a single loan within the line shall not exceed 1 year, and the longest shall not exceed 2 years, and the maturity date shall not exceed 6 months after the validity of the line.
(IV) The pricing of interest rate farmers' small loans is above the lower limit of interest rate fluctuation stipulated by the superior bank, and the loan interest rate is reasonably determined according to local capital supply and demand and horizontal competition.
(V) Repayment method For loans with a term of 65,438+0 years (inclusive), the repayment method is to repay the principal and interest, pay interest quarterly (monthly), and repay the principal at maturity. If the term exceeds 1 year, repayment methods such as matching principal and interest and decreasing average capital will be adopted. Note: Small loans for farmers are handled by farmers.