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.
To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination.
It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.
2. What is the maximum credit line available in rural areas?
It depends on how much collateral you have.
Third, how much can rural agricultural loans lend?
Rural poverty alleviation loans can reach up to 50 thousand yuan. The loan amount of poor households is determined according to their respective needs and applied on a household basis. The amount of each household is controlled below 50,000 yuan, and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.
The amount and duration of loans to wealthy people, rural cooperative organizations and leading enterprises shall be determined by the town government according to the number of poor households driven by its assistance.
4. What's the difference between e-agricultural loan and credit loan?
E. the difference between agricultural loans and credit loans:
1 village credit cooperatives have taken advantage of e-commerce to create a new service model in inclusive finance, gradually changing the traditional way of obtaining credit in rural areas and providing low-cost and efficient credit services for rural areas. Wisdom. Com provides credit to poor households who meet the credit conditions of financial institutions, and provides them with comprehensive services such as discount online shopping and smart logistics distribution. The implementation of "e-agricultural loan" in rural areas will further promote "cohesion", and on this basis, accelerate the pace of poverty alleviation for poor households. According to their comprehensive situation, 0 yuan will grant credit to the financial line.
The core advantages of e-agricultural loan financial products
Saving expenditure: Different from the problem of high interest rate in real-time calculation of traditional loans, poor households use "e" to calculate interest and reduce the loan cost of poor households. Poor households who successfully applied for financing loans.
Convenience: poor households log in Zhihui. Apply for a loan and distribute it to the applicant. "Zhihui township households explain the loan process and assist poor households to apply.
Credit loan is an activity form for borrowers to apply for loans by virtue of their own personal financial institutions. The biggest feature of credit loans is that there is no collateral, and applying for loans does not require the borrower's own credit qualifications. The amount is also determined according to the borrower's own qualifications, which is common.