Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

The conditions of poor households' loans are as follows:

Have a permanent residence in the local area. If you have a real estate license, you can provide a copy of the real estate license. If you rent a house, you can provide a rental contract. But banks generally require you to live in your current place for more than half a year.

If the age is less than 22-55 years old, some banks relax the age requirements for borrowers. Specifically, you can consult the bank customer service, have full capacity for civil conduct, and have China nationality;

The borrower's personal credit record is good. If there is a "stain" on his credit, he should go to the bank to check it in time before making a plan. The general borrower can barely approve it if it is not serious, and the customer bank with serious situation has the right to refuse it directly;

Provide a guarantor who must also have a good credit record and repayment ability (not required if it is a credit loan);

The loan purpose certificate must be approved by the bank and comply with laws and regulations;

Having a personal settlement account in the loan bank;

Have a serious job, a stable salary, and the ability to repay in full and on time.

How do poor households get loans? What documents do you need?

First, the application method of precision poverty alleviation loans

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Second, the application conditions for precision poverty alleviation loans

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

6. The lender needs to sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

Third, the amount and duration of applying for precise poverty alleviation loans.

1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1 0,000 yuan per person), and the application is made on a household basis. The amount of each household is controlled below 50,000 yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.

2. The loan amount and term of wealthy and capable people, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by their assistance. In principle, the loan amount shall not exceed the sum of the needs of poor households driven by the loan amount, and the longest loan period shall not exceed 3 years.

4. Expected annualized interest rate and discount for applying for precise poverty alleviation loans.

The expected annualized interest rate of the loan is based on the benchmark expected annualized interest rate of the People's Bank of China in the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. Interest discount adopts the principle of "receiving first and then posting". The overdue loan interest and penalty interest caused by the lender's failure to repay the loan on time shall not be subsidized.

Is there still 202 1 precision poverty alleviation?

202 1 precision poverty alleviation also, you can apply to various banks.

I. Conditions for applying for poverty alleviation loans:

He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct; Hold a valid ID card, have repayment ability, and have no bad credit record; Production and business activities conform to national laws, regulations and industrial policies; Have the willingness to borrow and the ability to develop independently; Can drive poor farmers who lack the ability to get rich (must be poverty-stricken households with established files) to increase their income and get rid of poverty, rural cooperative organizations and leading enterprises in agricultural industrialization; The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan line of poor farmers as the main body of the loan, and bear all the repayment responsibilities; If the lender is an enterprise legal person, its legal representative must have legal and effective business license, organization code certificate, tax registration certificate, production and business license and other documents. In addition to the conditions described in paragraphs 1 to 4.

Two. Discount settlement of poverty alleviation loans

The interest subsidy for poverty alleviation loans shall be settled quarterly. At the end of each quarter, the provincial branches of the Agricultural Bank of China (directly under the team) shall summarize and report the financial poverty alleviation loan discount statement, and report it to the Ministry of Finance and the head office of the Agricultural Bank of China after being audited by the Provincial Department of Finance in conjunction with the Provincial Department of Poverty Alleviation. After being summarized by the head office of Agricultural Bank (attached to the provincial table), it will be reported to the Ministry of Finance before the end of the first month of the next quarter, and will be settled with the head office of Agricultural Bank after being audited by the Ministry of Finance. Agricultural banks at all levels and financial departments (bureaus) and poverty alleviation offices of provinces (autonomous regions and municipalities directly under the Central Government) must do this work seriously, timely, truly and accurately in accordance with the regulations.

Measures for the administration of poverty alleviation by rural commercial banks: Article 25 After the loans are issued, county banks regularly organize supervision and inspection teams to conduct post-loan inspections on loans issued to poor households within their jurisdiction, focusing on whether the loan funds are really used and whether they are operating normally. Article 26 Establish a credit risk early warning system. All branches should monitor the poverty alleviation loans in real time, report to the authorized approver in time when the credit security may be endangered, and take corresponding preventive measures before the actual credit risk is formed. Twenty-seventh credit default treatment. If the branch fails to perform its obligations as agreed in the credit contract, it shall collect default interest, stop providing new credit, recover part or all of the credit in advance, and take legal measures according to the relevant matters agreed in the contract.

Can poor households get loans?

Poor households can get loans, and poor households can get rid of poverty by applying for poverty alleviation loans. The State Council will determine the loan plan and scale this year, the Ministry of Finance will be responsible for the overall regulation of poverty alleviation loans, and then the Agricultural Bank, rural credit cooperatives and rural commercial banks will be responsible for the specific issuance of poverty alleviation loans.

Poverty alleviation loan is a policy loan business undertaken by domestic financial institutions. It is an important part of poverty alleviation and development in China. There are two main forms of distribution: one is small poverty alleviation loans to households; The other is poverty alleviation loans and infrastructure construction for leading enterprises. Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Tips: The above explanations are for reference only.

Response time: 2021-01-18. Please refer to the latest business changes announced by Ping An Bank in official website.

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The introduction of personal accurate poverty alleviation loans ends here.