The borrower shall, in accordance with the requirements of the loan regulations, submit a written loan application to the local bank that provides loans for agriculture, rural areas and farmers, and attach relevant materials. Including the guarantor, submit the relevant information of the guarantor.

For the loan application that meets the loan conditions after examination and evaluation, the loan decision shall be made in accordance with the provisions of the loan examination and approval authority, and the loan examination and approval procedures shall be handled. The borrower and the borrower shall sign a written loan contract in accordance with the Regulations on Loan Contracts and relevant regulations. Finally, according to the loan contract signed by the borrower and the reasonable capital demand for production, operation and construction, go through the loan procedures.

According to the different ways of using funds, the loans for agriculture, countryside and farmers can be divided into self-help recovery methods and general methods. Under the self-service recovery mode, within the approved maximum amount and time limit, the borrower can withdraw money for repayment by self-service borrowing; Under normal circumstances, the Agricultural Bank of China will make a one-time loan to the borrower, and the loan will be recovered in one time or in installments. The specific use of the loan shall be decided by the borrower and the bank through consultation.

Preferential policies vary from place to place. If you can do it in the countryside, you can return to your capital in two years. If you don't repay or partially repay at maturity, you can generally borrow about 654.38+10,000 yuan.

"Three rural" loans are loans to agriculture, rural areas and farmers. The main issuing institutions are rural credit cooperatives, rural cooperative banks and rural commercial banks, and postal savings or agricultural banks also issue a small amount of loans for agriculture, rural areas and farmers.