1. What are the conditions for rural breeding loan policies?

The conditions for rural breeding loans require that applicants be between 18 and 65 years old and have lived in the local area for more than one year. , with valid identification. At the same time, it is required that the breeders are in good health, have legal breeding procedures, have a certain breeding scale and breeding site, and have at least 2 years of breeding experience. In addition, the applicant has a good personal credit record and good repayment ability. After meeting the above conditions, applicants can apply for a breeding industry loan. Required application materials: (1) Identity cards, household registers or valid residence certificates, residential address certificates, and marital status certificates of the borrower and his spouse; (2) Proof of the borrower’s spouse’s commitment to repay the loan together; (3) A business license to engage in production and operation. If operating under a licensing system, the original and copy of the business license from the relevant administrative department should be provided; a partnership or corporate enterprise should also issue a partnership agreement or articles of association and a capital verification report, original capital contribution agreement and Copy; (4) Proof of loan purpose (such as purchase contract, etc.); (5) Tax payment certificate for production and business activities; (6) Proof of pledge rights, mortgage (pledge) required by the borrower to obtain pledge and mortgage loan amount Property list and ownership certification documents, written documents from the owner and the owner of the property agreeing to pledge and mortgage; (7) Collateral valuation report issued by an appraisal department recognized by the bank; (8) Other information required by the bank. Livestock breeding loan process: 1. Loan application: You should fill in the "Loan Application for Breeding Industry" and submit a copy of your ID card, marriage certificate, three (five) joint insured households or guarantors and other relevant information. 2. Loan investigation: The lending bank can investigate the borrower's information and repayment ability, verify the guarantor's guarantee ability and credit status; and conduct on-site investigations on the property rights, geographical location, liquidity, etc. of the collateral, and provide investigation opinions. Sent for loan review. 3. Loan review: The lending bank will verify the relevant procedures of the borrower, determine the use efficiency of the loan and the reliability of repayment of principal and interest, and then put forward opinions on whether to lend or not, and propose the loan method, amount, term interest rate, repayment Suggestions on loan methods and other methods shall be submitted to the loan review committee for approval. 4. Loan approval: Based on the investigation and review opinions, the lending bank makes the final decision on whether to lend and the loan method, amount, term, interest rate, and repayment method. 5. Sign a contract: If you agree to grant a loan, the lender and the borrower will sign a loan contract face to face. (Remarks: Both the borrower and his wife must be present to sign.) 6. Loan issuance: The lending bank will issue a loan to the borrower within the period specified in the contract, and transfer the loan to the borrower's deposit account or credit card account opened in the bank. 7. Post-loan management: The loan officer will go to the site at least once or twice a month to strictly review the loan usage and whether the guarantor's assets are still there. Legal Basis Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications should meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; ( 2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; 6) Other conditions required by the lender.

2. I am from a rural area. If I want to do breeding at home, can I apply for a loan?

Farming is not recommended, but loans are available. Because farming is a risky industry. Unless the scale is very large. Moreover, it is currently restricted to bring poultry, but fish, shrimps, crabs, etc. can be borrowed. But the amount won't be very large.

3. Apply for loans from poor households for breeding?

If you are a poor household, you can apply for a small poverty alleviation loan. First go to the village committee to sign up and get the materials, go to the township to get it stamped, and then go to the bank to apply.

As for special poverty alleviation funds, this is arranged according to the local industrial poverty alleviation policy. It is generally planned to be provided to each household. You can go to the village committee to ask.

4. How can I apply for a loan if I have a rural household registration without a house or a car and want to breed?

1. If you have a rural household registration or your parents have a rural household registration, the Agricultural Bank of China and Rural Credit Cooperatives both Mutually guaranteed loans can be applied for, that is, several farmers provide guarantees to each other, and each person can borrow a loan of 30,000 to 50,000 yuan. You must use an ID card and have no bad credit history.

2. If you have no bad record in the bank, such as defaulting on bank fees, etc.

If you can find an authoritative person with good credit, such as a local government official or a well-known local business owner, you can ask them to be your guarantor and go through the credit procedures to obtain a partial loan.

3. For those who have difficulty finding jobs among the urban floating population, the state has policies that allow them to issue small-amount guaranteed loans in one go. As long as you go to the local employment bureau and ask, you will know what information is required. Like you There should be no problem.

4. In the end, all methods were useless. There are many online loans online, such as those from Ping An Bank and Home Credit, but the interest rates are slightly higher. Your conditions should be fine.