Characteristics of farmers' settling down loans to benefit farmers

Farmer's family loan is a kind of loan product specially designed for farmers. Its characteristics are as follows:

1. Optimize the access threshold: Farmers' Anjia Loan has formulated the scoring access 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 income identification: farmers can solve the problem of income proof by issuing income proof, or joining the bank income stream, or increasing the credit certificate from the policy financing guarantee institution.

3. Reduce the cost of loans: preferential interest rates are applied to loans with down payment of 30% or more, which solves 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 relieves 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 urban commercial housing.

Please note that the above characteristics may vary by region and specific situation. If you need to know more about the information of farmers' housing loan products in a certain area or at a specific time, it is recommended to contact relevant institutions or local banks directly for consultation.