1. Optimize the entry threshold: Farmers' Anjia Loan has formulated a scoring entry standard that conforms to farmers' characteristics and solved the problem of farmers' financing difficulties. The scoring access standard is reduced by 100 according to the current personal housing loan standard, that is, the scoring access standards for first-hand houses and second-hand houses are 4 15 and 385 respectively.
2. Simplify the identification of income: farmers can solve the problem of income proof by issuing income proof, or joining the income stream of banks, or increasing the credit certificate of policy financing guarantee institutions.
3. Reduce the cost of loans: Preferential interest rates will be implemented for loans with down payment of 30% or more to solve the problem of expensive financing for farmers.
4. Provide flexible repayment methods: According to the seasonal characteristics of farmers' income, in addition to monthly repayment, farmers' resettlement loans also increase quarterly, semi-annual and annual repayment methods. And early repayment is free of penalty interest, which greatly reduces the repayment pressure of farmers.
Farmers can choose the appropriate repayment method according to their actual situation, and the loan amount is also higher than the previous products, which can better meet the needs of farmers to buy commercial housing in cities and towns.
Please note that the above characteristics may be different according to regions and specific situations. If you need to know more about the information of farmers' home loan products in a certain region or at a specific time, it is recommended to contact relevant institutions or local banks directly for consultation.