How to apply for farmers' loans from CCB?

Provide a written loan application to the bank, mainly including the loan amount, service period, purpose, repayment source, etc. After the bank accepts it, it will review it according to the relevant conditions. If it meets the requirements, it will go through the relevant mortgage procedures (assess the collateral) with you, then sign a loan contract and transfer the money to your deposit account.

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I. Farmers' Loans

Farmers' loans can be divided into two categories according to their purposes: one is farmers' production and operation loans; Second, farmers' consumption loans can be divided into five forms: credit loans, guaranteed loans, mortgage loans, pledged loans and portfolio guaranteed loans. Although there are many kinds of loans for farmers, borrowers need to meet these conditions when applying for such loans:

(1) Farmers apply for loans on a household basis, and it is clear that one family member is the borrower, and the borrower should be a People's Republic of China (PRC) citizen with full civil capacity;

(two) domicile, fixed residence or fixed business premises in the service area of rural financial institutions;

(3) The purpose of the loan is clear and legal;

(4) The amount, duration and currency of the loan application are reasonable;

(5) The borrower has the willingness and ability to repay;

(6) The borrower has no significant bad credit record;

(7) Opening settlement accounts in rural financial institutions;

(eight) other conditions required by rural financial institutions.

In addition, the repayment method of farmers' loans can be based on the loan type, term and the borrower's cash flow, such as repayment of principal and interest by installments, and the borrower can choose the appropriate repayment method according to his own actual situation.

2. Credit conditions of bank loans:

1, credit line

The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

3. The difference between bank loans and financial leasing

1. Financing amount. Bank loans are greatly influenced by the national macro-control and the central bank's credit policy; The financing amount of financial leasing is determined by customer qualification and equipment value, and the scope of the amount is large;

2. Financing term. Banks generally give priority to working capital loans below 1 year; The financial lease can last for up to 3 years;

3. repayment method. The repayment method of the bank is relatively simple; Financial leasing can provide flexible installment plan;

4. Guarantee method. Banks generally require real estate mortgage or audited third-party guarantee; Financial leasing is mainly determined flexibly according to the qualification conditions of customers, and is generally mortgaged by the purchased machine tools.