Precision poverty alleviation loans need to meet the following conditions:

1, a natural person aged between 18-60, with a fixed residence and full capacity for civil conduct.

2. You need to hold a valid identity document, have a stable job and income, have repayment ability, and have a good credit record.

3, engaged in production and business activities in line with national laws and regulations and industrial policies.

4. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans.

5, can drive poor farmers who lack the ability to get rich.

6. Have independent development ability and loan willingness.

Second, do precision poverty alleviation loans need to be repaid?

Do you need to pay back the precise poverty alleviation loan?

Need to pay back!

You can apply for interest-free repayment at the local and bank.

Apply for use

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

application for insurance

Poor households apply for direct loans from poor households.

Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Application conditions

He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct;

Hold valid identity documents, have repayment ability, and have no bad credit record;

Production and business activities are in line with national laws, regulations and industrial policies;

Have the willingness to lend and the ability to develop independently;

Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans;

Is precision poverty alleviation a loan? Do you need to pay back? The annual interest rate is around 3%. First, the application for special loans for poverty alleviation with precise purposes can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation, and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types. Second, the application method 1. Poor households apply for direct loans to poor households. 2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises). 3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends. 3. Application conditions 1, aged between 18 and 60 years old, with fixed residence and full capacity for civil conduct; 2. Hold valid identity documents, have repayment ability, and have no bad credit record; 3, engaged in production and business activities in line with national laws and regulations and industrial policies; 4. Have the willingness to lend and the ability to develop independently; 5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty; 6. The lender needs to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan; Consult your local bank for details!

Do you need a marriage certificate for precision poverty alleviation loans? You don't need a marriage certificate, just a certificate issued by the village Committee or the street.

Is it right to repair a house with a precise poverty alleviation loan? Accurate poverty alleviation is the symmetry of extensive poverty alleviation. It is a way to help the poor by accurately identifying, helping and managing the poverty-stricken objects with scientific and effective schemes according to the environment of different poverty-stricken areas and the situation of different poor farmers. Generally speaking, precision poverty alleviation is mainly aimed at poor residents, and whoever is poor will be supported.

20 16 is there a loan index for precision poverty alleviation? The "Half-monthly Talks on Reform Trends" issued by the Economic System Reform Department of the National Development and Reform Commission (20 165438+ 10/6-30 in 2005) shows that the central poverty alleviation and development conference held on 20 165438+27-28 in 2005. According to the specific conditions of poor areas and poor people, the "five batches" project will be implemented. First, develop a batch of production to get rid of poverty, guide and support all people who have the ability to work to create a better tomorrow with their own hands, and realize poverty alleviation on the spot based on local resources. Second, we need to resettle a group of people out of poverty. If it is difficult for the poor people to get rid of poverty on the spot, they should be resettled in different places and implemented in a planned, year-by-year and planned way to ensure that they can move out, stay and get rich. The third is to give a batch of ecological compensation to help poor people get rid of poverty, increase ecological protection and restoration in poor areas, increase transfer payments to key ecological functional areas, and expand the scope of policy implementation, so that poor people who have the ability to work can be converted into ecological protection personnel such as forest guards on the spot. Fourth, develop education to get rid of poverty, treat the poor first and help the poor first. National education funds should continue to be tilted towards poor areas, basic education and vocational education, help poor areas improve school conditions, and give special care to children of poor families in rural areas, especially those left behind. Fifth, social security covers the poor who have partially or completely lost their ability to work, coordinating rural poverty alleviation standards and rural minimum living standards, and increasing other forms of social assistance. Strengthen medical insurance and medical assistance, and the new rural cooperative medical care and serious illness insurance policies should be tilted towards the poor. We should attach great importance to poverty alleviation in the old revolutionary base areas.

The main measures proposed in Ningdu county's precise poverty alleviation loan scheme to solve the difficulties and high cost of loans for poor people include establishing a loan risk compensation fund for poor households, improving the loan discount policy, popularizing insurance, and developing poverty alleviation mutual funds. Among them, the loan risk compensation fund for poor households is established by all levels and financial institutions at a ratio of 7: 3 year by year according to about 30% of the loan amount, and the loan risk compensation fund for each poverty-stricken county reaches more than 65.438+million yuan. In case of loan loss, the financial institution shall bear it at the ratio of 7: 3. In order to standardize the loan discount policy for poor households, the "Proposal" requires the integration of various financial discount policies to households, and the poverty alleviation microfinance for poor households is fully subsidized at the benchmark interest rate. The annual interest settlement and discount will be implemented for loans from poor households, with the maximum discount period of 3 years, and no discount will be given for overdue loan interest and penalty interest arising from default behaviors such as non-timely repayment.

The precise poverty alleviation loan has been repaid, can it be renewed? Yes Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types. Application method of accurate poverty alleviation loan: 1, poor households apply, and poor households lend directly; 2. Poor households apply for loans from poor households, and poor households give money to large households, and sign dividend agreements with large households; 3. Poor households apply for loans from large households, but large households must sign development-driven or dividend-sharing agreements with poor households; Application conditions for accurate poverty alleviation loans: 1, aged between 18-60, with fixed residence and full capacity for civil conduct; 2. Hold valid identity documents, have repayment ability, and have no bad credit record; 3, engaged in production and business activities in line with national laws and regulations and industrial policies; 4. Have the willingness to lend and the ability to develop independently; 5. Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty; 6. Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.

Why did the precision poverty alleviation loan stop? How can we stop now? Accurate poverty alleviation loan is a ten-year development plan, which is only a few years. The General Office of the Central Committee and the General Office of the State Council issued "Opinions on Promoting Poverty Alleviation and Development in Rural Areas through Innovative Mechanisms", which made strategic innovative arrangements for poverty alleviation and development in China. The Opinions put forward that eliminating poverty, improving people's livelihood and achieving common prosperity are the essential requirements of socialism. The most arduous and arduous task of building a well-off society in an all-round way is in rural areas, especially in poverty-stricken areas. To achieve the goals set forth in the Outline of Poverty Alleviation and Development in Rural Areas of China (20 1 1-2020), we must thoroughly implement the spirit of the 18th National Congress of the Communist Party of China and the Second and Third Plenary Sessions of the 18th National Congress, fully implement a series of important instructions of the General Secretary and other comrades on poverty alleviation and development, further enhance the sense of responsibility and urgency, effectively put poverty alleviation and development in a more important and prominent position, and strive to eliminate institutional mechanisms with reform and innovation as the driving force. Enhance endogenous motivation and development vitality, increase support, concentrate on solving outstanding problems, and accelerate the pace of poverty alleviation and building a well-off society in an all-round way in poverty-stricken areas.

Accurate poverty alleviation loans can't be made 1. The rural commercial bank has made the interest rate of this precise poverty alleviation loan very low. If it can't be replaced, it will be fined according to the regulations. 2. However, the reality is that in order to expand market share, rural commercial banks often reach private consultations with loan users, exempt late fees and part of interest, and simply replace the principal. It is very troublesome for banks to go to court with debtors. Rural commercial banks generally have specialized personnel to handle it, which takes a long time. If you really don't pay it back, the lawsuit will be lost sooner or later. If you are blacklisted, you will be in trouble. You can't use any bank cards in the future. You can talk to the bank and try to postpone the date.

The loan conditions of Tianshui Precision Poverty Alleviation Loan: 1, China citizens with permanent residence in China, permanent residence in local towns, full capacity for civil conduct, 18-65 years old; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided; 5. Other conditions stipulated by the bank.

Third, is precision poverty alleviation a special hardship relief?

Belong to special hardship relief

First, the relocation policy subsidies, poor households only need 2500 yuan per mouth, that is, each household can get a maximum of 10 thousand yuan to raise funds for resettlement houses. Of course, there are specific conditions for relocation, mainly for poor households with dangerous buildings, poor transportation and natural living conditions in rural areas.

Second, the policy on rural reconstruction. Poor households who carry out the renovation of dilapidated houses in rural areas can enjoy this subsidy, and the subsidy funds will vary according to the renovation method and family size. The subsidy for new construction in the original site is definitely higher than that for maintenance and reinforcement, and the subsidy funds range from thousands to tens of thousands.

Third, there are certain poverty alleviation policies in the industry. Here, poor households can give different rewards according to the type and scale of developing industries. For example, they raise more than three pigs, and each one rewards 500 yuan; Raise pigs 10 or more, and each pig will be subsidized by 200 yuan; Planting more than 0.3 mu of precious medicinal materials, each household rewards 500 yuan, but the maximum is not more than 5000 yuan.

Fourth, the policy of education to help the poor, children from poor families go to school and give different help according to different age stages. The maximum amount of subsidy is 6,000 yuan for college students, 2,500 yuan for poor senior high school students, 0/.250 yuan for junior high school students and 0/.000 yuan for primary school students.

Fifth, employment and entrepreneurship poverty alleviation policy. If you are hired, you can reimburse the poor workers for their travel expenses. Entrepreneurship is mainly to increase financial loans, the amount of which is mainly 50 thousand yuan. Employment provides relevant skills training, and people involved in poverty lose time subsidies.

4. Is precision poverty alleviation a loan? Do you need to return it?

I don't think so.