How to apply for interest-free loans for rural aquaculture?

The rural aquaculture industry interest-free loan is a kind of loan method provided by the state when there is a shortage of funds in the breeding process, and our country has given some support to the aquaculture industry loan. therefore, users who apply for aquaculture loans can enjoy certain concessions, let's take a look at how to apply for interest-free loans for rural aquaculture industry.

Basic information of interest-free loans for rural aquaculture

[application conditions] the applicant is between 18 and 65 years old, has resided in the local area for more than one year, and has valid identity certificate. At the same time, farmers are required to be in good health, have legal breeding procedures, have a certain culture scale and breeding site, and have at least 2 years of breeding experience. In addition, the applicant has a good personal credit record and good repayment ability.

[loan line] the minimum application amount for interest-free loans for rural aquaculture is 1000 yuan, and the maximum is no more than 50% of the total price of breeding varieties.

[loan term] the application time for interest-free loan for rural aquaculture shall not exceed 3 years.

[loan interest rate] the interest-free loan for rural aquaculture enjoys a certain national policy, so the loan interest rate for aquaculture loan is not higher than the benchmark interest rate set by the state.

Application conditions for interest-free loan for rural aquaculture

1. Have a fixed residence in the local area and live there for more than one year.

2. Be able to provide legal and valid identity certificate and residence certificate.

3. At least 18 years of age, and the age plus the number of years of loan shall not exceed 65 years of age.

4. Good health and full capacity for civil conduct.

5. Have a certain scale of aquaculture equipment and sites, and at least more than two years of breeding experience.

6. No bad credit history.

7. Other conditions required by the lending institution.

Processing process of interest-free loan for rural aquaculture

1. Loan application: rural aquaculture loan should fill in the "Application form for interest-free loan for aquaculture industry" and submit a copy of my ID card and marriage certificate.

2. Loan investigation: the lending bank may investigate the borrower's information and repayment ability, verify the guarantee ability and credit status of the guarantor, and investigate the property ownership, geographical location and liquidity of the mortgaged property on the spot, put forward the investigation opinions and send them to the loan for examination.

3. Loan examination: the aquaculture loan bank verifies the relevant procedures of the borrower, determines the use benefit of the loan and the reliability of repayment of principal and interest, and puts forward suggestions on whether to lend or not, and puts forward suggestions on the loan method, amount, term interest rate and repayment method of the aquaculture industry, which shall be submitted to the loan Review Commission for approval.

4. Loan examination and approval: according to the investigation and examination opinions, the lending bank finally makes a decision on whether to lend or not, the loan method, the amount, the term, the interest rate and the repayment method.

5. Sign the contract: if the lender agrees to grant the loan, the lender and the borrower shall sign the loan contract face to face. (note: the borrower's husband and wife must be present to confirm their signature.)

6. loan issuance: the lending bank makes a loan to the borrower within the time limit stipulated in the contract and transfers the loan to the borrower's deposit account or credit card account opened with the bank.

7. Post-loan management: the loan officer goes to the site at least once or twice a month to strictly examine the use of the loan and whether the guarantor's assets are still there.

Note: in fact, no matter what kind of loan you apply for, there is interest, but some loans, such as policy-supported loans, are subsidized by the government, and the actual loan applicants do not have to pay interest, so it looks as if they have applied for an interest-free loan. Rural aquaculture loans are also within the scope of this kind of policy loans, and there are generally policy loans for rural aquaculture. However, if you want to apply for a reliable interest-free loan, you should apply through a formal lending institution.