The interest-free loan policy of 50 thousand yuan in rural areas is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Among them, the interest rate is paid by the bank for free or by the government or corresponding institutions under agreed conditions, which belongs to financial poverty alleviation. So what are the conditions for applying for an interest-free loan of 50,000 yuan in rural areas?
2. What are the application conditions?
One. The applicant's family is in difficulty and needs state support. Interest-free loans and other policies are mostly to support vulnerable groups. Although China's economy has developed rapidly, there are still some families who are not out of poverty. In order to help them get rid of poverty as soon as possible and achieve the goal of getting rich together, the state has issued interest-free loans to these poor households in rural areas, provided them with funds for production and living, and sought ways to get rich.
Two. The applicant is honest and trustworthy. Only those farmers with good character and good prospects can easily get through when they apply for interest-free loans in rural areas. Although they are in financial difficulties, they have a good reputation. They work hard with the money from interest-free loans and can keep their promises and repay on time. On the contrary, those farmers with poor character, poor reputation and bad faith will bear greater risks when lending money to them, and ordinary loans will be difficult to pass, let alone interest-free loans.
Three. The purpose of the applicant's loan is a project supported by the state. Farmers who produce and develop agriculture and aquaculture supported by the state in rural areas are eligible to apply for interest-free loans in rural areas. Agriculture, rural areas and farmers have always been the leading factors in China's economy, and national policies have also supported some rural production activities. Giving these producers the ability to apply for interest-free loans in rural areas can better stimulate their enthusiasm.
Four. The applicant has the ability to repay. Loans from any institution must be repaid in the end, and applicants for rural interest-free loans must also have the ability to repay in full and on time, otherwise credit cooperatives will not give you loans.
Third, what materials are needed?
1. Original and photocopy of ID card and household registration book, proof of marital status (original and photocopy of spouse ID card and household registration book are required for married persons), and proof of business premises.
2. Original and photocopy of individual business license and tax registration certificate. Original and photocopy of individual business license and tax registration certificate.
3. Guarantee application form. And provide guarantor materials (including guarantor's ID card, ID card, copy of household registration book, on-the-job certificate with official seal, and work income certificate; Letter of commitment (if married, both husband and wife need to sign and press their fingerprints) and other materials.
The above is the introduction of the application conditions of 50 thousand yuan interest-free loan in rural areas. Generally speaking, the interest-free loan policy of 50,000 yuan in rural areas belongs to financial poverty alleviation. Eligible rural registered citizens can apply for interest-free loans to relevant departments.
Second, how do poor households apply for a loan of 50,000 yuan?
Legal analysis: 1, aged between 18 and 60, with 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 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 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.
Legal basis: temporary measures of social assistance
Article 2 The social assistance system shall adhere to the principles of supporting the bottom line, being difficult in emergency rescue and being sustainable, and be connected with other social security systems, and the level of social assistance shall be commensurate with the level of economic and social development.
Social assistance should follow the principles of openness, fairness, impartiality and timeliness.
Article 3 The civil affairs department of the State Council shall co-ordinate the construction of the national social assistance system. The State Council civil affairs, emergency management, health, education, housing and urban construction, human resources and social security, medical security and other departments are responsible for the corresponding social assistance management according to their respective responsibilities.
The departments of civil affairs, emergency management, health, education, housing and urban construction, human resources and social security, medical security and other departments of the local people's governments at or above the county level shall be responsible for the corresponding social assistance management within their respective administrative areas.
The administrative departments listed in the preceding two paragraphs are collectively referred to as social assistance management departments.
Fourth Township People's governments and sub-district offices are responsible for the acceptance, investigation and review of social assistance applications, and the specific work shall be undertaken by social assistance institutions or managers.
Villagers' committees and residents' committees shall assist in the relevant social assistance work.
Third, how to apply for innovative poverty alleviation
help the poor
(a) the loan object and conditions:
1. Application conditions for poor rural households with filing cards: The production and business operation place is located in this district, aged 18 to 60 years old, and they have the willingness to lend, the potential for employment and entrepreneurship, the skills and quality, and certain repayment ability and credit.
2, farmers' professional cooperatives, family farms, specialized households and other new rural business entities to declare conditions:
(1) Comply with national industrial policies, industrial development plans, poverty alleviation industrial plans, poverty alleviation and development policies and relevant laws and regulations;
(2) Outstanding resource advantages, obvious regional characteristics and great market potential can drive the development of local related industries, and the supporting effect is recognized by poor households;
(3) It has a strong radiation-driven role in poverty alleviation. It can directly arrange the employment of children of poor farmers, directly or indirectly increase the income of rural poor people, and sign agreements with poor households who have established files to help them get rid of poverty.
(II) Purpose of the loan: It can only be used for production and operation projects of new rural business entities such as poor households or farmers' professional cooperatives, family farms and large professional households, mainly including agriculture, forestry, animal husbandry, fishing and modern service industries.
(3) Loan amount: the maximum single loan for poor households with established files shall not exceed 65,438+10,000 yuan; The maximum loan amount of new rural business entities such as farmers' professional cooperatives, family farms and large professional households does not exceed 6,543,800 yuan.
(4) Guarantee method: In principle, poor households apply for poverty alleviation by adopting mortgage-free and guarantee-free credit loans. If it is determined by the investigation of the banking institution that the borrower really expects greater risks, it may require the borrower to add corresponding mortgage collateral or guarantor; Loans for new rural business entities are mainly in the form of mortgage or guarantee.
(V) Loan term: The loan term is reasonably determined according to the production and operation conditions of the borrower, which is generally 65,438+0 years, and the longest is no more than 2 years.
(VI) Repayment method: The repayment method is one-time repayment or installment repayment.
(7) Loan interest rate: The execution interest rate is calculated according to the benchmark interest rate of the same grade published by the People's Bank of China.
(8) Loan discount: For loans from poor households and new rural business entities, the district finance will give full discount at the benchmark interest rate.
4. How do poor households apply for a loan of 50,000 yuan?
The application process of 50,000 yuan loan for poor households is as follows: 1, poor households apply for direct loans. 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. : 1. Application conditions for accurate poverty alleviation loans: 1, aged between 18-60, with 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 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 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. The consequences of the loan are as follows: 1. The debtor fails to repay the loan owed to the bank within the specified date and does not bear criminal responsibility. Under normal circumstances, it will not be sentenced to criminal responsibility or imprisonment. This kind of behavior is generally considered to be civil; 2. After the borrower mentions the success of the lawsuit to the people, if the lender fails to execute the judge's judgment during the performance period, the bank can force the lender to execute the relevant judgment by asking the people for help and relying on judicial power; 3. When hearing the application for enforcement, we will inspect the property, car, documents and savings mortgaged by the borrower as required; 4. In addition, if the lender refuses to execute the effective judgment of the people because there is no property available for execution, negative information such as overdue loans will be recorded in the personal credit information system, and high personal consumption will be supervised and restricted, and it will not be allowed to enter or leave the country. Serious cases are very likely to be detained and managed by relevant departments; 5. If the debtor has the repayment ability or solution but still refuses to execute the judgment, he may be convicted of refusing to execute the judgment again.