I. Short-term Loans
Up to six months (including six months) 6.10
Six months to one year (including one year) 6.56
II. Medium- and Long-term Loans
One to three years (including three years) 6.65
Three to five years (including five years) 6.90
More than five years 7.05
It is determined by adding points to the lower limit of the rediscount rate.
More than five years 7.05
III. Discounting Determined by adding points to the lower limit of the rediscount rate
IV. Individual Housing Provident Fund Loans
Below five years (inclusive) 4.45
Above five years 4.90
V. Welfare Factory Loans for the Civil Affairs Sector 4.62
VI. Old, Young, Bordered and Poor Development Economic Loans 3.18
VII. Loans for Ethnic Trade and Production of Ethnic Goods 3.68
VIII. Subsidized Loans for Poverty Alleviation (Including Pastoral Areas) 3.00
Golden Spike Huinong Card is a comprehensive debit card product issued by Agricultural Bank of China for all farmers, which not only has the basic financial functions of cash deposit and withdrawal, money transfer and settlement, consumption, and wealth management, but also responds to the needs of the vast number of rural residents. It also offers a series of special features and services as well as preferential measures to provide farmers with convenient, fast and considerate financial services in various aspects such as agricultural production, fund exchange and personal finance management.
Features and services
One card per household, easy to apply
The Golden Ears Rural Card is designed to serve all rural households, and each household can apply for one main card and several subsidiary cards, and **** use one account. As long as you are the head of a farming household or his designated family member, you can apply for the main Huinong Card and apply for subsidiary cards for other family members. You can apply for the card collectively through village committees and other organizations with your ID card and household register, or you can go directly to our local branches to apply for the card directly.
Reconciliation with folders, clear understanding
What if you can't remember how much money you've spent on your card? It doesn't matter! We provide each household with a free Huinong Card transaction details folders, you take the transaction details folders to our branches or the replacement of the folders and other self-service equipment to print the account information, you can understand the Huinong Card account balance and transaction details at a glance.
Safe and reliable
When you go out to work or go home for New Year's Eve, it's not safe to carry cash. The Golden Ears Farmer's Card is here to help! You can conveniently, safely and quickly handle various deposit and withdrawal and remittance businesses through Agricultural Bank of China outlets and self-service equipment throughout the country. In areas where special services for migrant workers' bank cards have been opened, you can also use the card to handle cash withdrawals and inquiries at the local rural credit unions to avoid the inconvenience of carrying cash on the road.
Financial subsidies, directly to each household
The government is going to give financial subsidies to our farmers, but when can we get our hands on them? The bank's cooperation with the relevant government departments has made it possible for the financial subsidies of the central and local governments to be distributed through the Huinong Card! This eliminates the need for cumbersome intermediary links and ensures that the subsidies reach you quickly and safely! Don't worry, the Huinong Card is a good helper for you to handle social security and medical insurance! You can use the Huinong Card to easily pay and collect social insurance fees, participate in the new rural cooperative medical care, and complete the reimbursement of medical expenses in a timely manner.
Water and electricity bills, easy to pay
The water company, the power supply bureau, the telephone office, back and forth too much effort! As long as you have a Huinong Card, you can complete the payment of water, electricity and telephone bills and other utility bills at one time at the Agricultural Bank of China.
Farmer loans to help you get rich
What can you do if you don't have the money to pay for fertilizer for your grain or feed for your hogs? There is no need to worry! As long as you are a Huinong cardholder, you can apply for a small farm household loan from the Bank. Cardholders who meet the loan conditions will receive a one-time credit line. Within this credit limit, you can use your Huinong Card to borrow, use, and repay through the Bank's branches, self-service machines, and other channels, realizing one-time application and repayment as you borrow. For specific requirements and application procedures for small loans to farmers, please consult your local branch of Agricultural Bank of China.
The five major fee concessions
*The labor cost of the main card of Huinong Card is 5 yuan/card - free!
*Huinong Card Transaction Detail Folder labor cost 2 yuan/fold - free!
*Small account service management fee of 3 yuan/card/quarter--waiver!
*Huinong Card main card annual fee of 10 yuan/year - halved!
* In areas where the special services of the Farmer's Bank Card have been opened, the handling fee for off-site cash withdrawals through rural credit unions is preferential, and is charged at the rate of 0.8% of the total amount of each cash withdrawal, with a maximum of RMB 20 yuan. The specific types of the above features and services, handling procedures and conditions are subject to the relevant regulations of the local branches of the Agricultural Bank of China.