Yes, if it is a rural hukou, generally speaking, the conditions for applying for agricultural loans are: 1. Age:1) Under 60 years old, have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents; 2 is the head of the rural family or other family members designated by the head in writing; 3. Engaged in agricultural production and operation such as agriculture, forestry, animal husbandry and fishery or non-agricultural production and operation activities such as industry, commerce, construction, transportation and service industry; 4. Other conditions required by the bank. The longest microfinance for farmers shall not exceed 1 year, and the longest shall not exceed 3 years. The quota for farmers is 30,000-50,000 yuan.
Second, can rural housing be loaned without interest? Who has a consultation method or telephone number? There are also preferential policies. ...
You should go to the bank and ask.
Third, can rural self-built houses be loaned?
Legal analysis: rural self-built houses can be loaned. As long as the lender meets the relevant loan conditions, he can apply for a loan at the local rural credit cooperative. The lender must be at the age of 18 to 60, and must be a natural person with full capacity for civil conduct. The house built by the lender must meet the relevant standards of local self-built houses, and be approved by the relevant departments of the rural collective economic organizations and township governments, and at the same time conform to the local development plan.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.
4. Can rural housing be loaned?
I think so, too. Here are some specific measures.
The premise of rural housing loan is that the house must have a real estate license and be evaluated. In the past, rural housing could not be mortgaged, mainly because rural housing only had collective land use warrants and no housing ownership certificates, that is, rural housing lacked registration and confirmation system and property rights were unclear. Therefore, farmers apply for rural housing mortgage loans, rural housing needs the consent of the village Committee, which is the land ownership unit where the house is located, and the mortgagor must have the right to dispose of the mortgaged property. If * * * has property as collateral, it must obtain the consent of * * *.
2. This has certain requirements. First of all, rural housing loans are loans for individual industrial and commercial households and natural persons with full capacity for civil conduct in the county. And must meet certain conditions, the age is between 18-60 years old, the borrower's residence or production and business premises should be within the service area of this union, and he is a domestic resident with full capacity for civil conduct. At the same time, the following conditions must be met:
First, the borrower to apply for a loan to build a house, must be approved by the local village construction department, in line with the local development plan.
Two, the borrower is required to provide the approval documents or certification materials of the rural construction department.
Three, the borrower should have no less than the prescribed proportion of its own funds, strong credit concept, good credit status, and the ability to repay the loan principal and interest on schedule.
Four, the borrower can provide individuals or units with sufficient compensation ability as loan guarantees, and can also use effective assets as collateral (pledge).
Five, the borrower should open a personal settlement account in the loan credit cooperatives (Department), and voluntarily accept the credit supervision and settlement supervision.
In addition to meeting the above conditions, there are also certain requirements for loan amount and loan term, both of which can be determined according to their own economic level and income sources.