Definition of product:

Land reclamation loan refers to issue the loan to the borrower in accordance with the conditions to use for the land purchasing and storage of the government, rural land integration, farmer’s concentrated construct the building.

Loan object:

Legal person of enterprise (public institution) checked and approved and registered by the industry and commerce administration authorities (or competent authorities) and other economic organizations.

Guarantee conditions:

    1. To take the fixed assets construction project in accordance with the conditions or related charging and other right to set up mortgage (pledge), if it is insufficient value, to provide separately, mortgage (pledge) rate will be within 60%.

2. The government takes the repayment fund (principal and interest) to enroll into financial budget and promises to repay the loan priority.

3. To have valid management after loan assisted by the government to coordinate the bank, to ensure the credit fund security of the bank.

4. The other conditions regulated by our bank.

Loan interest rate:

According to the related regulations of RMB Loan Interest Rate Pricing Management Method of Jilin Jiutai Rural Commercial Bank to carry out.

Loan period:

Based on the project investment, construction period and repayment capital source (cash flow) to have measuring and calculating, usually not exceeding 12 years.

Loan limit:

According to the requirement of not lower than 50% of self-raised funds ratio of the project as well as the loan ratio management requirement of the bank sole customer to check and ratify, the upper limit of the loan amount is 100 million Yuan.