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Planting farmers’loan Rual Financial > Individual product of rural financing > Farmer clients
Function: A crediting service in RMB for planting farmers who may need financial support for their farming industry including systematic construction.

Maximum amount of loan: no more than 3 million Yuan for farming areas; no more than 1 million for rural areas.
Loan term restriction: According to farming timing, it is usually not over 18 months. For the areas of the economic produces and cultivated lands, it is no more than 2 years.
Loan application conditions:


1. The age of applicants should be 18 or over. The age of loan application should not be over 60.

2. The applicants should be farming mainly on common produces and economic produces. If the applicants are farmers of large areas, they should be legalized contractors of the area and should possess their own farming land, for example, if the planting is greenhouse planting, the applicants should prove that they have the fixed facilities and legal authority over its uses and if the applicants use other planting methods, they should prove their legal rights of doing so.

3. The applicants should have at least 3 years of farming experiences and should be continuously farming for 2 years.

4. The applicants should have a crystal clear production and operation plan, feasible developing projects, and stable and smooth sales channels.

5. The farming land of the applicants should be entitled to the allowances policies of the national or local authorities.

6. For the loans over 0.2 million Yuan, the applicants should in principle buy insurance for the planting produces and farming facilities.
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