When poor households apply for loans, they can go directly to the local bank to understand the relevant policies, and they can submit materials after they meet the conditions. Loans for poor households generally need to be signed by government departments and lenders, and loans can only be used for projects such as planting, breeding and agricultural products processing for poor households.

Loan conditions for poor households: 1. The lender must be between 18 and 60 years old, have legal and valid identification, have a fixed residence and have full capacity for civil conduct; 2. The lender has no bad credit record, and the bank with bad credit will refuse the loan. 3. The activities that poor households engage in with loans comply with national laws and regulations and industrial policies; 4. Other requirements stipulated by the bank.

When applying for a loan, you can evaluate your repayment ability. If the monthly repayment exceeds your personal affordability, you'd better give up such a loan, otherwise it will have a great impact on your life. Poor households should also evaluate the projects they operate and how much risk they have to bear when making loans.

After submitting the materials, banks generally need about 20 days to review. If the audit fails, the bank will notify the lender through the reserved contact information, and if other materials need to be supplemented, the bank will also notify it in time; After the loan is approved, the bank will directly debit the lender's bank card.

Can poor households get loans?

Poor households can get loans, and poor households can get rid of poverty by applying for poverty alleviation loans. Poverty alleviation loans are determined by the State Council, and the Ministry of Finance is responsible for the overall regulation of poverty alleviation loans, and then the Agricultural Bank, rural credit cooperatives and rural commercial banks are responsible for the specific issuance of poverty alleviation loans.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Can poor households borrow 50 thousand?

Yes, the state has poverty alleviation loans for poor households. You can borrow up to 50 thousand. You can go to the poverty alleviation office to find out.

First, the purpose of applying for accurate poverty alleviation loans

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 of precision poverty alleviation loans

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 for precision poverty alleviation loans

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;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

Fourth, the amount and duration of applying for precise poverty alleviation loans.

1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1 0,000 yuan per person), and the application is made on a household basis. The amount of each household is controlled below 50,000 yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.

2. The loan amount and term of wealthy and capable people, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by their assistance. In principle, the loan amount shall not exceed the sum of the needs of poor households driven by the loan amount, and the longest loan period shall not exceed 3 years.

5. Expected annualized interest rate and discount for applying for precise poverty alleviation loans.

The expected annualized interest rate of the loan is based on the benchmark expected annualized interest rate of the People's Bank of China in the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. Interest discount adopts the principle of "receiving first and then posting". The overdue loan interest and penalty interest caused by the lender's failure to repay the loan on time shall not be subsidized.