What are the loan methods for rural farmers?
1. Farmers can also take out loans if they want to start their own businesses. The economic and living conditions in rural areas are getting better and better, and the differences in urbanization are getting smaller and smaller. If you want to solve the problem of capital turnover and choose farmers' loans, you need to combine local policies, such as providing collateral or guarantors.
2. In addition, to apply for a loan from a bank, you need to have a valid identity certificate, a fixed residence, a stable income, repayment ability, good personal credit, and no problem of defaulting on loans.
What are the conditions for a loan to buy a house?
1, aged over 18 years old (inclusive), and the loan period is not more than 65 years old (some banks have relaxed to 70 years old), with full capacity for civil conduct.
2. Have a valid residence status in the local area (residence booklet or temporary residence permit can be provided).
3. Have a stable and legal source of economic income, provide a bank flow of not less than twice the monthly payment, and have the ability to repay the loan principal and interest on schedule.
4. Self-owned funds not less than 30% of the total house price are used as the down payment for house purchase.
5. Personal credit is good, and there are no bad records or serious negative information in the credit report (if married, the spouse's credit report will also be reviewed).
6. To apply for a provident fund loan, you must pay the provident fund in full and on time for more than six months (inclusive), and the provident fund account in the month of application is in a normal state, and there is no provident fund loan in the customer's name or the loan has been settled (if you have applied for a provident fund loan twice, you can't apply for a provident fund loan regardless of whether the loan has been paid off).