1. Have a stable address and place of work or business;
2. The applicant is a Chinese mainland resident with full capacity for civil conduct, aged between 18-60;
3. Have a stable income and the ability to repay the loan principal and interest;
4. No bad credit record and no illegal behavior;
5. Loan funds cannot be used for stock trading, gambling and investment.
Credit cooperatives have small credit loans and do not need mortgages.
(1) Basic concept: Micro-credit loans for farmers refer to loans granted by credit cooperatives to farmers without mortgage or guarantee based on their credit standing within the approved quota and time limit. Adopt the management mode of "one-time approval, on-demand loan, balance control and recycling".
(2) Farmers applying for micro-credit loans should meet the following conditions:
1, live in the credit cooperative business area;
2. Have full capacity for civil conduct and good credit;
3, engaged in land farming or other production and business activities in line with national industrial policies, and have a legitimate and reliable source of income;
4. Have the ability to pay off the loan principal and interest.
(3) the purpose of the loan
1. Loans for agricultural production expenses of planting and aquaculture.
2, small agricultural machinery loans
3. Loans for pre-,mid-and post-natal services around agricultural production are not real loans, but depend on the borrower's conditions and the credit cooperatives' quotas and policies at that time. For example, when the credit line is particularly tight, the amount of bank loans is limited, and banks may generally be reluctant to issue such loans.
1. What is the meaning of mortgage loan for land management right?
(1) Mortgage loan for contracted management right of rural land refers to the loan business in which the borrower applies to the Agricultural Bank with the contracted management right of rural land and the attachments on the ground as collateral, without changing the nature of land ownership and contracting right and the agricultural use of rural land.
(2) The object of mortgage loan for rural land contractual management right is agricultural business entities such as large professional households, family farms, farmers' cooperatives, agricultural enterprises and family contracted farmers who rely on rural land for agricultural production and management.
(three) the loan applicant shall meet the following conditions in addition to the basic credit system of Agricultural Bank of China and the basic conditions of personal credit products:
1, with rich farming experience and technology, in which the production and operation time of agricultural planting is not less than 2 years, and the production and operation time of aquaculture is not less than 3 years.
2, engaged in agricultural production and operation projects of its own funds ratio of not less than 30%.
3. Field crop planting. The planting area of rice, wheat, corn, soybean and other food crops shall not be less than 100 mu, and the annual return area shall not be less than 50 mu; The planting area of cash crops such as cotton, vegetables and lotus root is not less than 50 mu.
4. Aquaculture. The intensive culture area of fish ponds and cages is not less than 50 mu, and the free-range culture area of lakes and reservoirs is not less than 500 mu.
5. Facilities and characteristic agriculture. Take greenhouses and other facilities for agricultural production and management, and engage in characteristic agriculture such as fruits, flowers, seedlings and ginseng, with a planting or breeding area of not less than 5 mu.
6. If the contracted management right of rural land is obtained by household contract for agricultural production and operation, the access conditions for planting or breeding area can be 50% of the standards in the third to fifth paragraphs above.
2. What is the loan amount of the credit cooperative Huinong Card?
Jinsui Huinong Card is a comprehensive bank card product designed and developed by Agricultural Bank of China through Jinsui debit card business platform. As a debit card, Huinong Card can support cash deposit and withdrawal, transfer settlement, consumption, wealth management and other businesses, ensuring real-time online operation and real-time entry. On this basis, benefiting farmers has become a carrier for granting small loans to farmers, a direct channel for financial subsidies, a voucher for social insurance, and a safe channel for capital exchanges, providing farmers with more practical financial services in various financial services such as agricultural production, social security, and personal finance. At present, the loan amount supported by Jinsui Huinong Card is 3000-30000 yuan.
Huinong Card currently provides cardholders with preferential policies for the following items:
1. Exempt Huinong cardholders from small account service fees;
2. There is no charge for the discount of the main card and transaction details of Huinong Card;
3. 50% discount on the annual fee of the main card of Huinong Card;
4. When handling the withdrawal business in rural credit cooperatives, the transaction fee shall be given preferential treatment according to the provisions of the central bank.
Farmers who want to apply for Jinsui Huinong Card separately only need to apply according to the following steps:
1. The applicant shall fill in the written application form of Jinsui Huinong Card in the business hall of Agricultural Bank of China with his legal and valid identity certificate and letter of introduction from the cooperative organization.
2. The bank will review the contents of the application submitted by the applicant, and the Agricultural Bank of China will open the card on the spot for the applicant who meets the conditions for issuing the card, and the applicant will set the card password. After opening the card, you can use the Huinong card to handle financial business.
Legal basis:
Article 11 of the Interim Measures for Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
Article 13
After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.