1. A natural person aged 18.
2. Good credit record
3. Have a stable source of income
4. Good conduct
5. Other conditions stipulated by the lending bank.
Loan elements:
1. Loan amount: the initial amount is 3,000 yuan, and the maximum amount is determined according to the customer's assets, income and guarantee.
2. Term of loan: the longest term of validity is 5 years, and the term of a single loan within the term of validity can be reasonably determined according to the actual needs of customers.
3. Loan interest rate: comprehensively determined according to the borrower's credit status and guarantee method.
4. Repayment method: According to the loan term, various methods can be adopted, such as regular interest settlement, repayment of principal and interest at maturity, one-time repayment of principal and interest, and installment repayment of equal principal and interest.
Extended data
Applicable object
It covers the customers who are engaged in the operation of characteristic industries, the purchase and sale of rural e-commerce, the supply and marketing of agricultural industrial chain and have financial assets or credit relations with China Agricultural Bank. Loans can be used for production, operation and consumption, including but not limited to the following:
1. Farmers whose financial assets such as deposits, wealth management and funds in the Agricultural Bank of China reach a certain standard.
2 farmers who have applied for housing loans at the Agricultural Bank of China and have not yet settled down.
3. Farmers who have applied for farmers' loans in China Agricultural Bank and have good credit records.
4. Farmers engaged in tea, fruits, vegetables, tobacco, grain planting, animal husbandry, poultry, fishery and other special industries recognized by the Agricultural Bank of China.
5. The credit village recognized by ABC has assets, income and honest farmers.
6. Upstream and downstream farmers of agricultural industrialization leading enterprises cooperating with ABC.
7. Farmers in the upstream and downstream of the e-commerce platform that cooperates with ABC purchase and sell.
8. Farmers guaranteed by government credit enhancement mechanism or financing guarantee company.
References:
Huinong e Dai