Fifty thousand

Micro-credit loans for farmers refer to loans that rural credit cooperatives provide to farmers without mortgage or guarantee within the approved quota and period based on the reputation of farmers. At present, the loan amount generally does not exceed 50,000 yuan. This business has been widely welcomed by farmers since it was fully promoted in the whole country in 2002.

How much can Wenshan Rural Credit Cooperative borrow?

The loan amount of rural credit cooperatives will be different according to local loan policies and loan methods, but the loan amount of rural credit cooperatives is not very high. Loans of rural credit cooperatives are divided into credit loans, guaranteed loans, mortgage loans and pledged loans according to the loan issuance methods. The credit loan amount is relatively small, generally not exceeding 30 thousand yuan. If it is a mortgage loan, the amount will be higher, but the maximum will not exceed 65,438+10,000 yuan.

The loan policy of rural credit cooperatives is the credit service of rural credit cooperatives.

Basic information

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;

2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

How much can farmers borrow in 2004?

In 2004, farmers' lenders brought about 200,000 yuan. Because in 2004, farmers' personal running accounts were very good and their reputation was very high, farmers' loans in 2004 could be around 200 thousand.

What are the conditions for rural loans and how much can they be loaned?

1. The applicant has reached the age of 18 and has full capacity for civil conduct;

2. The applicant has a stable income and the ability to repay the principal and interest of the loan;

3. The applicant has a good reputation and no overdue stains on personal credit information;

4. The applicant is preferably a local resident and can provide relevant guarantees.

As for how much money you can borrow for how many acres of lead, it depends on the type of loan you apply for and the qualifications of the lender. If you apply for a consumer loan, the amount is mostly 6.5438+10,000 to 200,000. If you apply for a mortgage loan, the amount will be much higher, and 500,000 to 654.38+00,000 is ok. The above are the relevant contents of what conditions are needed for rural loans and how much they can be loaned.

Disadvantages of bank loans

1, many procedures: handling loan business in banks is relatively complicated;

2. Strict requirements: providing bank loans to small and medium-sized enterprises requires collateral or third-party guarantee, and its mortgage requirements are strict;

3. Higher credit requirements: enterprises and enterprise legal persons must have higher credit records, otherwise it is difficult to pass the audit.

How much rural credit cooperatives can lend depends on policies and personal qualifications.

Rural credit cooperatives mainly provide credit services for small-scale farmers and small and micro enterprises, with flexible operation and obvious policy investment, so they generally tend to support regional economic development, with low application threshold and small amount, and can lend about 50,000 to 654.38+ 10,000.

Rural credit cooperatives can generally lend 500-65438+ 10,000 yuan. The main conditions it needs are:

1. The applicant has legal status;

2 farmers are farmers within the jurisdiction of the credit cooperatives;

3. The applicant has full capacity for civil conduct;

4. The applicant or family members have the ability to work, produce or operate;

5. The applicant has a stable economic income;

6. The applicant has good credit and the ability to repay the principal and interest of the loan;

7. Other conditions stipulated by rural credit cooperatives.

Reminder: It is understood that if the loan is used for the unemployed to start a business, not only will the loan amount be increased accordingly, but even the discount policy can be enjoyed. In addition, if the borrowing farmers can provide real estate, land and other collateral, they can often borrow a higher amount. However, it also stipulates that the sum of the loan amount and the interest generated by the loan period of rural credit cooperatives shall not exceed 50% of the value of collateral. Some people also say that the upper limit is 300,000, which may be because local regulations are different. You can consult your local credit union.