"Qiandaojia"Farmer planting loan
"Qiandaojia"Farmer planting loans refers to the RMB loan business which aiming at supplementing insufficient funds on production and operation for natural persons engaged in farming industry within the provisional scope of national law.
Line of credit
The minimum amount for farmer planting loan is 1, 000 yuan,The highest amount is not more than 1 million RMB(including) and less than 50% of the price of planting and its facilitiesamd construction.
The loan taking natural person guarantee as the only way of assurance in rural areas should not exceed 100, 000 yuan; it is 300,000 yuan for loans taking the same way of guarantee in farm areas.
Loan term
Term of loans is determined with regards to the crop production cycle, generally not more than one year. A maximum of 3 years applies to the non-open field cultivation and cash crops planting.
Applying conditions
（1）The borrower should have a fixed residence in the local and live more than one year with valid identification and residence proof
;
（2）The age should be over 18 years (included), and age plus term of loans should not more than 65 years;
（3）In good health, with full capacity for civil conduct;
（4）With a certain planting scale;
（5）Planting experience over 2 years;
（6）No conduct against the law and disciplines; no bad credit history.
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