Agricultural loan is also called agricultural loan, referred to as "agricultural loan". Refers to the loans provided by financial institutions to enterprises and individuals engaged in agricultural production for the needs of agricultural production. Including state-owned agriculture, forestry, animal husbandry, aquatic products, water conservancy, overseas Chinese, labor reform, agricultural machinery, meteorology, the General Logistics Department of the People's Liberation Army, and the Science, Technology and Industry Committee for National Defense; State-owned agricultural enterprises set up industrial, commercial, material supply and marketing, service, transportation, construction, mining, garment machine repair and other enterprises; All kinds of agricultural enterprise groups, leasing enterprises, joint-stock enterprises, Sino-foreign joint ventures and institutions owned by the whole people that implement enterprise management.
There are two forms of loans:
Short-term agricultural loans refer to short-term agricultural working capital loans with a loan term of less than one year (including one year), which are mainly used for agricultural production costs, processing and sales of agricultural and sideline products, and agricultural science and technology activities.
2 medium and long-term agricultural loans refer to loans with a loan term of more than one year, which are mainly used for investment in agricultural fixed assets.
Loan amount and interest rate:
The maximum loan for farmers is 50,000 yuan (the amount is higher in some areas, please consult the local branch of Postal Savings Bank for details). The minimum amount of a single loan is 1000 yuan, with 100 yuan as the floating unit.
Loan term: 1 month to1February. You can choose the loan term independently according to the production and operation cycle and repayment ability.
Loan interest rate: the specific interest rate level is subject to the provisions of the local postal savings bank.
This can be done without a guarantor.