No need.
After applying for Zhixiang loan, the "cattle" pursuing income will continue to invest in the official target, and then repeatedly carry out Zhixiang loan until they use up their own Zhixiang loan quota. They borrow at low interest rates, lend at high interest rates and earn spreads. At the same time, they also provide a large number of short-term targets for the platform, so that short-term funds can also get good returns. However, knowing that the bottom bid of the platform cannot be repaid on time, the subject matter of the loan can only be repaid after the deadline. In other words, for example, they initially recharged 100w on the platform, and the leverage was five times. In other words, they invested 500w in the base bid, of which 400w was borrowed from other lenders through short-term smart loans. In other words, the subject matter used for mortgage loan exploded. Therefore, the cow will definitely not repay. For scalpers, faced with 150-200w that can only be recovered after 3-5 years, it is necessary to set aside 400w now, which not only fails to receive the principal, but also loses millions, which is beyond the tolerance of ordinary people.
Is credit Niu Niu loan reliable?
reliable
Credit Niu Niu has professional channels for obtaining information. When submitting an application, loan customers need to carry out real-name authentication and mobile phone authentication to ensure the authenticity and reliability of relevant information and avoid malicious false reporting.
Credit Niu Niu app is a customer acquisition software assistant specially developed by Zhejiang Dongxiang Technology Co., Ltd., which has a large number of real credit users, helping credit managers and loan officers to find loan customers 360 degrees, reducing customer acquisition costs and efficiently developing the industry.
What are the procedures for borrowing money from the state to raise cattle?
Bank of China provides "individual agricultural loans for farmers", and the main loan conditions include:
1. The borrower shall have certain working experience, and in principle, the working years shall be no less than two years;
2, there are fixed agricultural projects and have formed a certain scale of operation;
3. Borrowers engaged in purchasing and processing agricultural products shall, in principle, register individual industrial and commercial households, sole proprietorship enterprises or set up limited liability companies according to law;
4. Hold relevant contract agreements, or entrust procurement contracts, agency agreements, sales agreements, cooperation agreements and other materials;
5. Open a settlement account or deposit account in China Bank;
6. Self-raised funds have a certain proportion.
7. The use of loan funds complies with relevant laws and regulations and relevant management regulations of China Bank;
8, in principle, support farmers in the province's agricultural industrialization, temporarily do not support business activities in other provinces;
There are differences in different regions. For details, please consult the local branch of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
I want to borrow money to raise cattle. I don't know how many years I can borrow it and how much interest I will pay.
Cattle loan can be 654.38+10,000 yuan in the form of joint insurance for three households. As for when to pay it off, it depends on your personal ability. You can raise 40 cows, and the profit of that year will reach the ability to repay the loan.
It's clearer to go to the bank for consultation, because each bank has different interest rates for different groups and different types of loans. Some banks provide interest-free support for agricultural employment in rural areas. It is said that small and medium-sized enterprises are initiated by the Labor Bureau, and the social security department of the Labor Bureau can provide 50,000 interest-free loans for three years after approval.
Extended data
Conditions for applying for agricultural loans
1. Borrower 18 to 45 years old, with full capacity for civil conduct;
2. The applicant has certain self-owned funds;
3. The borrower is a local and belongs to the category of "agriculture, countryside and farmers" ("agriculture, countryside and farmers");
4. The borrower's credit information must be good;
5. The married couple version must provide the identity certificate of the other spouse when handling the loan. When users apply for a loan, different users get different credit lines, so users must complete it within the repayment time, and cannot be overdue. Because there will be penalty interest after overdue repayment, the longer the time, the more penalty interest, and the burden of subsequent repayment will also increase. After the deadline, the platform will make dunning, which will affect the normal life of individuals.
After repayment in loans overdue, the platform will upload the overdue records to the credit information center, resulting in poor personal credit information. Bad credit information will affect the handling of subsequent loans. In addition, the overdue arrears will continue to be retained in the credit information for more than 5 years, and will automatically disappear after 5 years.
Users can choose different repayment methods and repayment periods when handling loans. Among them, the repayment method includes average capital and equal principal and interest. Under the same loan conditions, the average capital is less than the interest paid by equal principal and interest, but the repayment ability of the borrower is higher, and the repayment amount in average capital is decreasing month by month.
Procedures for agricultural loans: provide a written loan application to the bank, mainly including loan amount, use period, purpose, repayment source, etc. After the bank accepts it, it will review it according to the relevant conditions. If it meets the requirements, it will go through the relevant mortgage procedures (assess the collateral) with you, then sign a loan contract and transfer the money to your deposit account.
Let alone the introduction of loan cattle.