1. In principle, if the general payment method is adopted, it will not exceed 3 years. For those engaged in production and business activities with a long production cycle such as forestry and fruit industry, the longest period can be extended to 8 years;

2. If the self-service recovery method is adopted, the longest credit period shall not exceed 3 years, the term of a single loan within the line shall generally not exceed 1 year, and the maturity date shall not exceed 6 months after the effective period of the line.

Second, detailed analysis

When applying for related loans, self-employed, business operators aged over 65,438+08 to under 60, borrowers with full capacity for civil conduct, local registered permanent residence and local fixed business premises are legally and stably operating, which is sufficient to operate the company and provide relevant repayment sources, and legal and easy-to-realize collateral, such as real estate, etc., are guaranteed to open a deposit account in the bank.

3. What are the application procedures for rural individual production and operation loans?

1. First, the borrower applies for a loan from the Agricultural Bank. The applicant must be at least 18 years old, the sum of the application age and the loan period shall not exceed 60 years, and have a fixed residence in the countryside;

2. Guarantor's agreement to guarantee documents. If mortgage is involved, relevant supporting documents, including business license, shall be provided;

3. After submitting the information, wait for the bank to investigate and review;

4. After the bank approves, go to the bank to sign a loan contract, and then the bank lends money.