1. How to get loans from Huinong Card

1. Small natural person loans to individual members of farmers' families. Only one family member can apply for a farmer's loan per household.

2. loan purpose: farmers' financing needs for farmers' production and life.

3. Loan conditions:

(1) The age is over 18 years old (including 18 years old), and the sum of the age when applying for a loan and the loan period shall not exceed 65 (including 65); Have a fixed residence in rural areas, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.

(2) According to the Administrative Measures for Credit Rating of "Agriculture, Countryside and Farmers" Customers of Agricultural Bank of China, the credit rating of customers is average or above.

(3) should have a stable income and the ability to repay the loan principal and interest on schedule.

(4) The production and business activities are in line with national laws, regulations and industrial policies.

(5) Good conduct and no overdue loan when applying for a loan.

(6) Other conditions stipulated by the lender.

Extended information:

Jinsui Huinong Card is a comprehensive bank card product developed by Agricultural Bank of China based on Jinsui debit card business platform and issued to all farmers. As one of the debit card products, Huinong Card has basic financial functions such as cash deposit and withdrawal, transfer settlement, consumption, wealth management, online operation and real-time entry.

on this basis, the Huinong card can also be used as a distribution carrier for farmers, a direct channel for financial subsidies, a voucher for social insurance, and a safe channel for fund exchange, providing farmers with convenient, fast and thoughtful financial services in agricultural production, social security, personal finance and other aspects. Jinsui Huinong Card

The Huinong Card can be used in all outlets and self-service machines of Agricultural Bank of China, and also in all self-service machines and merchants POS with UnionPay logo. Jinsui Huinong Card not only has various financial functions such as cash deposit and withdrawal, transfer and settlement, consumption, wealth management, but also can provide cardholders with various special service functions such as transaction details discount, farmers' carrier, rural social security and medical insurance identification and fee payment, rural public utilities collection and payment, financial subsidy agency and so on.

second, how to apply for a loan with Huinong Card?

Huinong Card itself provides services such as loans and financial subsidies to cardholders. Here's how to apply for loans with Huinong Card. Pay attention to the micro-signal of Agricultural Bank of China, click Microfinance-Huinong e-loan, then choose to apply immediately, enter your name, ID number, mobile phone number and verification code, and agree to the Personal Credit Information Authorization, Face Recognition Authorization and Data Usage Authorization, so you can apply for the Huinong card loan online.

It should be noted, however, that the processing time for the loan business of Huinong Card is from 7: 3 to 19: 3, so please apply during working hours.

3. What documents or procedures do Huinong Card need to handle the loan? Do you need a marriage certificate?

Huinong Credit Card: one card for each household in rural areas; The head of the household or the head of the household designates family members. Need civil servant guarantee. Original and photocopy of ID card and household register, ID card and photocopy of guarantor. When granting credit, the head of household or the designated person will take the spouse and guarantor to the bank, fill out the form and sign it. The quota is 2, for one civil servant and 5, for two. According to local specific regulations. Huinong card loan can only be used by rural hukou holders. There are several levels, and you can borrow 5,,15, and 5,. Three households need joint insurance, three households must be from the same village, all married, and the loan needs to go to the local agricultural bank. The loan interest rate is 6.93. Huinong card loan can be used at any time after the formalities are completed. It is very convenient to repay at any time without lending, when to use it, and how much to use. Now 5, loans are signed for three years, and they can be used at any time. The remaining one will be signed for one year.

iv. how to repay the agricultural bank's Huinong card loan

for loans with repayment period of less than one year (inclusive), the interest will be paid off with the principal, and the interest will be settled quarterly (monthly) and the principal will be repaid at maturity.

small natural person loans granted to individual members of a farmer's family. Only one family member can apply for a farmer's loan per household. You can't have bad loans or default or overdue repayment, otherwise you need to change the guarantee team again, and the credit line of this loan ranges from 5 thousand yuan to 5 thousand yuan. Generally, the signing period is three years, and the maximum term of a loan is one year. What is more convenient is that this kind of loan adopts the form of borrowing and returning, which can be repaid in advance, and the loan can be renewed immediately after the repayment is completed.

Extended information

(2) After verifying the applicant's information, the village committee and other cooperative organizations will submit the application materials in batches to our local outlets for review;

(3) For those who meet the conditions for issuing cards, outlets will open cards in batches in the system (but will not activate them), and submit the cards and lists that have been opened to cooperation institutions such as village committees for signing;

(4) The village committee and other cooperative organizations will send the card to the applicant for signature according to the list;

(5) The applicant holds the original Huinong card, household registration book and resident ID card to the local branch of the Bank for card encryption activation (door-to-door activation service can be provided according to the situation). The activated Huinong card can be used normally.