Production definition:

“Financing Treasure” loan refers to Jiutai Rural Commercial Bank issue the loan to the economic organizations, natural persons of peasant household in the area of administration, take the legal getting rural residence, land operation right, forest right as mortgage voluntarily.

Loan object:

Loan objects are natural persons of having complete capability of civil conduct, other economic organizations, individual businesses.

Loan conditions:

Natural persons of peasant household should possess the following basic conditions:

Natural person of peasant household should possess the basic conditions:

1.Having the fixed residence, the engaging production operation activities are legal and compliance;

2.Credit degree is better, no bad credit record;

3.Having legal and steady income sources, having certain repaying ability;

4.Full of 18 years old , good health, having complete capability of civil product, and the sum of male borrower’ age and loan period does not exceed full of 60 years old, and the female borrower does not exceed full of 55 years old;

5.The other conditions regulated by our bank.

Interest rate of loan:

According to the Jilin Jiutai Rural Commercial Bank Limited Liability Company RMB Loan Interest Rate Pricing Management Method to carry out.

Loan period:

The most period of mortgage loan of rural residence, forest right is not over 3 years; to take the land contract operation right as mortgage with the getting land usage right, in principle the loan period is not over 3 years; to take the leasing mode to get land usage right as mortgage, the loan period is not allowed to exceed the half of the period of the land usage right, the longest period is not over 2 years.

Loan limit:  

Based on the value of mortgage goods and the situation of operation project profit to determine, in principle not allowed to exceed 70% of the evaluation value of mortgage goods.

Use of loan:

Mainly use for the needed funds of temporary fund turnover, and consuming fund of production operation of the borrowers, and other reasonable fund demand.