I'm from Xintai, Shandong. I want to borrow 30,000 yuan from the credit union to start my own business. Is it easy to borrow? What's the interest rate and what documents do you need? thank you

At present, the loan interest rate pricing of rural credit cooperatives can be summarized as follows: 1, and policy pricing: some poverty alleviation loans, national student loans, planting and agricultural and sideline products processing industries, which are mainly concentrated in farmers' entrepreneurial guarantee fund loans, all implement the benchmark interest rate, accounting for a relatively low proportion of rural credit cooperatives loans. 2. Interest-oriented pricing: mainly for ordinary farmers, individual industrial and commercial households and small and medium-sized private enterprises. The interest rate of such loans is relatively high, and rural credit cooperatives generally rise by more than 50%. Moreover, such loans account for a relatively high proportion in rural credit cooperatives and are the main source of interest income of rural credit cooperatives. 3. Competitive pricing: Gold customers mainly concentrated in service areas are loans actively marketed by rural credit cooperatives. Generally speaking, these enterprises are large in scale, strong in strength, good in efficiency, strong in liquidity and large in settlement of funds, and they are also the targets of financial institutions. The loan interest rates of these enterprises generally do not rise or fall. 4. Preferential pricing: mainly for loans pledged by certificates of deposit of rural credit cooperatives or other financial institutions, loans pledged by bank acceptance bills, and loans whose share in rural credit cooperatives is far greater than the loan amount. The interest rate of such loans generally does not rise by more than 20%, which is commonly known as the "preferential interest rate". 5. Market-oriented pricing: The interest rate of such loans is generally not fixed, and can be adjusted at any time with the change of market conditions, mainly by discounting bank acceptance bills. What is a micro-credit loan for farmers? Answer: Small credit loans for farmers are loans granted by credit cooperatives within the approved quota (that is, less than 20,000 yuan) and time limit according to the credit status of farmers, the actual situation of credit cooperatives and the local economic development level. What conditions should a borrower have? A: Farmers' microfinance loans must meet the following conditions at the same time: 1. Farmers or individual farmers in the community have full capacity for civil conduct. 2. Strong credit concept and good credit status. 3, engaged in land farming or other breeding business activities in line with national industrial policies, and have a reliable source of income. 4, the family must have the ability to understand the production or management of labor. What are the provisions on the use and arrangement order of small credit loans for farmers? Answer: The purpose and sequence of micro-credit loans for farmers are: 1, loans for agricultural production expenses such as aquaculture and aquaculture, and loans for fertilizers, pesticides, seedlings, seeds and feed. 2. Individual and private loans for agricultural production. 3, agricultural machinery loans, for cattle, pumps, threshers and other small agricultural machinery. 4, small-scale irrigation and water conservancy capital construction loans. What are the procedures for issuing micro-credit loans to farmers? A: The granting procedure of micro-credit loans for farmers is: 1. Farmers apply for loans from credit cooperatives. 2. The loan officer investigates farmers' demand for production funds and family income, grasps the borrower's credit status, and puts forward preliminary opinions. 3. The credit rating team determines the loan amount and issues the loan certificate according to the information provided by the credit personnel. 4. Farmers can apply for loans to the credit cooperatives once or several times according to the prescribed procedures with the loan certificate within the approved quota. How is the amount of micro-credit loans for farmers approved? A: The amount of micro-credit loans for farmers is based on the credit rating of farmers. When evaluating the credit rating and amount, the rating should be based on the opinions of local credit officers or representatives of prestigious members, villagers' groups and information provided by village committees. Different loan quotas should be approved according to different grades, and the maximum amount is 20,000 yuan once a year. The credit rating of farmers is divided into several credit ratings. What is their rating standard? What is the credit loan amount for each grade? A: The credit rating standard of farmers is divided into four grades: excellent, good, average and poor. 1, the standard of "excellent" grade is: (1) No outstanding loans or all loans due have been paid off. The annual per capita net income of a family is more than 2,000 yuan. (3) Self-owned funds account for 50% of the funds needed for production. 2. The standard of "better" grade is: (1) It has a stable and reliable income source, the loan balance owed is below 3,000 yuan, and the interest can be paid off on schedule. (2) The annual per capita net income of the family is between1000-2,000 yuan. 3. The standard of "general" level is: (1) The family has basic labor force, and the annual per capita net income of farmers is below 654.38+10,000 yuan. (2) The amount of the loan owed is less than 2,000 yuan, and the interest of the previous year is not in arrears. 4. The grade standard of "poor" is: (1) The family has basic labor force, but it is not good at management. (2) The annual per capita net income of the family is around 500 yuan, the loan balance is below 1 000 yuan, and the interest of the previous year has not been paid. 5. Credit lines at all levels: "excellent" 20,000 yuan, "good"10,000 yuan, "ordinary" 5,000 yuan, and "poor" without opening a letter of credit. After farmers get the loan certificate, how should they handle the loan? Answer: When farmers need a loan after receiving the letter of credit, they can apply for a loan with the loan certificate, ID card or household registration book. Credit cooperatives issue loans one or more times according to the amount and duration of farmers' credit loans, or loan personnel directly issue loans to farmers' homes according to farmers' requirements, and fill in the IOUs one by one. The loan interest shall be calculated from the date when the IOU is issued. What is the term and interest rate of micro-credit loans for farmers? A: Micro-credit loans for farmers depend on the cycle of farmers' production and operation activities, and in principle, they should not exceed three years. The loan interest rate is based on the benchmark loan interest rate published by the People's Bank of China, and the interest settlement method is the same as that of ordinary loans, and the interest is settled once a month (quarterly). Is the household head system implemented for farmers' micro-credit loans? What other rules are there? A: Farmers' micro-credit loans are based on households, and each household can only apply for a micro-credit card. There are also the following provisions: 1. Farmers may not use other people's name loans or cross-regional multi-head loans. 2. The loan certificate shall not be leased, lent or transferred. If found, it will cancel the qualification of microfinance. 3. After the loan is issued, farmers should consciously accept the advice of credit personnel, or check and conscientiously implement the provisions of the loan contract. Shall not default on the loan principal and interest or transfer the loan purpose at will. In case of violation, the credit cooperatives may stop issuing new loans and forcibly recover the loans already issued.