With the development of the loan industry in recent years, the loan methods are more diversified and close to the actual needs of customers. We know that there is a kind of loan called rural poverty alleviation loan. As the name implies, this kind of loan is aimed at poor households with financial difficulties in rural areas to help them obtain better development funds. This is also in line with the country's current precise poverty alleviation policy and is a loan scheme that benefits the country and the people. Then let's learn more about how to apply for rural poverty alleviation loans, and how many quotas and deadlines there are.
First, how to apply for rural poverty alleviation loans
1, poor households apply for direct loans from poor households.
2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).
3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.
Application conditions for precision poverty alleviation loans
1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;
2. Hold valid identity documents, have repayment ability, and have no bad credit record;
3, engaged in production and business activities in line with national laws and regulations and industrial policies;
4. Have the willingness to lend and the ability to develop independently;
5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;
6. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;
7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.
Second, the amount and time limit for applying for accurate poverty alleviation loans
1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1 0,000 yuan per person), and the application is made on a household basis. The amount of each household is controlled below 50,000 yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.
2. The loan amount and term of wealthy and capable people, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by their assistance. In principle, the loan amount shall not exceed the sum of the needs of poor households driven by the loan amount, and the longest loan period shall not exceed 3 years.
As can be seen from the above, the conditions for applying for poverty alleviation loans are citizens aged 65, 438+08 to 60 who have full capacity for civil conduct, wealthy people who have repayment ability and can drive poor households to increase their income and get rid of poverty, or enterprises, institutions and legal persons who require business licenses, organization codes and other relevant certification materials. Individuals and enterprises that meet the loan conditions can apply. The loan period shall not exceed three years, and the amount of each household shall not exceed 50,000.
Second, how to write an application for aquaculture poverty alleviation loans?
Dear leader: I'm Zhang San, and my ID number is:, and I'm a villager in a certain city and township. Now my family is engaged in aquaculture and is going to expand aquaculture, so the loan of 654.38+00,000 yuan is used for aquaculture to help the poor. Thank you for your approval.
Third, how to apply for poverty alleviation loans?
Poverty alleviation loans are managed by the local poverty alleviation office, and the specific situation needs to be consulted with the poverty alleviation office. Materials required for general policy loan application:
① Original and photocopy of ID card;
Original and photocopy of the household registration book;
③ Fill in the loan application form;
(4) provide collateral (collateral can be crops, land use rights, forest ownership certificates, etc.). );
(5) Go to the guarantee company to sign the guarantee and counter-guarantee contract;
6. Sign a loan contract with the loan issuing bank;
⑦ Submit the bank card of the loan issuing bank.
4. What do you need to prepare for poverty alleviation?
In this case, where do I need to apply for poverty alleviation procedures? What information do you want? Gansu Provincial Department of Finance allocated this year's subsidy funds for poor patients, and transferred the funds to the bank according to the financial authorization payment amount.