Agricultural loans are both agricultural loans and agricultural loans. Specifically, it refers to the demand of financial institutions for agricultural production, and it is also a disguised loan policy for enterprises and individuals engaged in agricultural production.
Ways for individual farmers to apply for agricultural loans;
1, personal micro-credit loans of credit cooperatives. Farmers submit applications-credit cooperatives review farmers' qualifications and issue loan certificates-farmers apply again with identity documents and loan certificates-credit cooperatives review loan purposes and issue loans in line with conditions. The amount is not high, generally 3-65438+ 10,000 yuan. There are also farmers' joint insurance loans. Farmers' joint guarantee loan refers to the loan that community residents form a joint guarantee group according to these guidelines, and the lender issues it to the members of the joint guarantee group, and the members of the joint guarantee group bear joint liability for each other.
2. Farmers of ABC: You need farmers' guarantee, mortgage and pledge, and apply to ABC. There is no credit form, and each household only needs one family member to apply.
3. Postal Savings Bank: The purpose of the loan is clear, and it is required to be used only for the funds needed for agricultural breeding and agricultural production activities, and a guarantor is needed or a loan is made in the form of joint guarantee.
Second, can rural self-built houses be loaned? What are the conditions?
Conditions for applying for loans for self-built houses 1. The applicant must be a legal citizen with valid identity documents and at least 18 years old; 2. The applicant must have sufficient repayment ability and stable income; 3. The house built by the applicant has passed the examination and approval of the urban construction department; 4. The applicant has no bad credit record and good credit status; 5. The applicant has prepared enough down payment or down payment deposit certificate; 6. Legal and effective purchase contract; 7. The house has obtained real estate license and land use certificate; 8. Other conditions stipulated by the bank. abstract
Can I borrow money to build my own house? Ask a question
Hello, I am an associate lawyer of Baidu Consulting, and I have received your question. The person I am consulting now is Doha ~ Please wait for 2 minutes, dear, I am helping you solve the problem. answer
Hello, I am an associate lawyer of Baidu Consulting, and I have received your question. The person I am consulting now is Doha ~ Please wait for 2 minutes, dear, I am helping you solve the problem. answer
When it comes to building a house, most people's first cognition is illegal. In fact, we still need to discuss it in different situations. There is a kind of self-built house built by the villagers themselves, using the land of the village collective, so even if it is built, only the real estate license issued by the village collective will not be recognized by the state, so it is impossible to apply for a loan. People often call this kind of house a small property right house. answer
There is also a kind of self-built house, which is built in the town. The nature of land use is either commercial land, residential land or commercial and residential land. Such a house is eligible for listing and trading, and can have a nationally recognized real estate license and land certificate, and can also apply for a housing loan. Everyone also calls it a big property house. answer
Conditions for handling loans for self-built houses
1. The applicant must be a legal citizen with valid identity documents and at least 18 years old;
2. The applicant must have sufficient repayment ability and stable income;
3. The house built by the applicant has passed the examination and approval of the urban construction department;
4. The applicant has no bad credit record and good credit status;
5. The applicant has prepared enough down payment or down payment deposit certificate;
6. Legal and effective purchase contract;
7. The house has obtained real estate license and land use certificate;
8. Other conditions stipulated by the bank. answer
Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights
Article 2 The term "mortgage loan for farmers' housing property rights" as mentioned in these Measures refers to the loan issued by banking financial institutions (hereinafter referred to as lenders) to eligible farmers' housing owners (hereinafter referred to as borrowers) with the farmers' housing ownership and the right to use the homestead as collateral without changing the nature of the homestead ownership, and paying the principal and interest within the agreed time limit. answer
Yes, dear, you can apply ~ answer
Can I show you my title deed? Ask a question.
Yes, dear, you send an answer.
Let's take a look here. If you say this is a confirmed house, you can mortgage this house. Please apply for a loan. No problem. Now the country does not prohibit this. You can directly apply to the rural credit cooperatives for an answer.
That's it. Can I apply for a loan?
Land ownership certificates can be used for loans. If you want to apply for mortgage loan with land certificate, you can apply for loan with land certificate, personal ID card and other information needed by banks. answer
However, although land ownership certificates can be used for loans, not everyone can apply successfully, because bank loans also depend on personal credit information. If you have applied for a loan in the bank before, it may be rejected if it is overdue. answer
After the application, the bank will decide the loan amount according to the land value, and the specific amount will be subject to the amount indicated in the mortgage loan contract. answer
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Three, how to apply for rural housing discount loans
Take the household registration book to the rural credit cooperative for a loan. An account can only borrow 20 thousand! But sometimes people need a guarantor to lend you money.
Four, how to apply for rural housing discount loans
You can go to China Construction Bank to help you.