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 apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).
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. The lender shall 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 the loan;
Cattle farmers who want to apply for loans can consult local banks or rural credit cooperatives to see if there are loans for agriculture and animal husbandry. If you have, you can prepare your personal ID card, permanent residence or valid residence certificate, as well as the lease certificate of the cattle farm, relevant certificates of breeding, income certificate (such as bank running water and deposit certificate) and other materials, and apply for a loan from the selected bank (rural credit cooperative).
Based on this information, the bank will review and evaluate the customer's breeding regulations. If it passes, it will release funds. It should be noted that some cities have preferential policies for farmers, and loans can be interest-free.
Customers generally need to be between the ages of 18 and 60, be in good health, have legal farming procedures, have certain farming scale and farms, have certain farming experience, have good credit, have stable income and have the ability to repay on time. The loan amount will be related to the customer's comprehensive credit level and breeding scale.