That's not the case at all. . With the card, you can go to the bank to apply for a loan, and the loan needs mortgage or guarantee. . Only those who eat finance can guarantee it. . And the interest is still high. 10000 yuan with 970 interest a year. . I brought 30 thousand with me and paid the bank 3 thousand interest a year for nothing . I really don't understand why it is called "Huinong Card".
2. How to borrow the Agricultural Bank Huinong Card?
Rural hukou households mainly carry ID cards and household registration books to the outlets. If he is not the head of the household, he must hold the power of attorney of the head of the household to handle it. A family can only handle one. Free of charge, annual fee 5 yuan. When making a loan, you should also provide relevant information to prove your repayment ability.
3. What are the loan conditions of Agricultural Bank Huinong Credit Card?
The loan of Agricultural Bank of China Jinsui Huinong Card is a small natural person loan for a single member of a farmer's family, and only one member of each farmer's family can apply for a loan. The loan for benefiting farmers launched by Agricultural Bank of China is to help farmers carry out agricultural production and meet their financing needs. The conditions of the loan are:
1. The age must be above 18 years old (inclusive), and the sum of my age and loan years when applying for a loan cannot exceed 65 years old (inclusive). The borrower must have a fixed residence in the countryside, be healthy, have full capacity for civil conduct and work, and hold valid identity documents.
2. The borrower should have a relatively stable income and the ability to repay the principal and interest of the loan on schedule, be of good conduct, meet the requirements of the Agricultural Bank of China on the credit rating of "three rural" customers, and the credit rating should be above the average level.
3. The production and business operation activities of the borrower shall comply with national laws and regulations.
4. When applying for a loan, the borrower shall not have overdue loan records.
Generally, users who meet these conditions can apply for loans to benefit farmers.
Fourth, use the Agricultural Bank of China Jinsui Huinong Card for loans?
Huinong Card has the basic financial function of Jinsui Debit Card, and can provide cardholders with various special service functions such as transaction details discount (reconciliation discount), farmer carrier, new rural cooperative medical system (NCMS), collection and payment of rural public utilities, financial subsidy agent, new rural insurance (NCMS) and so on.
Farmers should fill in the Application Form for Farmers' Business of Agricultural Bank of China and apply for farmers' business at the customer department (business outlet) of the operating bank. You need to provide the following information:
1. Legal and valid identification of the borrower;
Two, the guarantor's legal and valid identity certificate, collateral ownership certificate, except in line with the conditions of credit loans;
Three. Other materials deemed necessary by the lender.
After receiving the application materials, the business outlets will initially determine whether you have the basic conditions for handling farmers' business. For those who do not meet the loan conditions, the applicant will be informed in time. Whether you can apply for local farmers with household registration outside depends mainly on the risk control ability of local business outlets. Consult the staff of local outlets specifically.