Microfinance of Agricultural Bank of China how to borrow? To those procedures?

One, the customer need to provide the following information:
(1) a valid identity card, residence booklet, Jinsui Huinong card and a copy of the original.
(2) against (quality) of collateral or guarantee related information, except in accordance with credit conditions. In general, the guarantor also need to provide identity cards, residence booklet information.
(3) other materials required by the lender. Here mainly refers to the use of the loan you, ready to do what, need to invest much, probably a few years owing on the loan, if there is a village to open a proof is better, that this project has a site, the village also support, personnel management experience.

Two, the guarantor and lenders to banks, and banks have signed the contract of guarantee, must guarantee himself to it.

Three, apply for loans UNPROFOR farmers farmers should have the following conditions
1, there is the production and operation of the project and equipment (tools) or site, its own funds ratio is more than 30%;
2, at least 18 years of age and have the full capacity for civil conduct;
3, the borrower and their immediate family members have no bad credit records, and signed in the UNPROFOR agreement before any to the bank loan, the original loan has been repaid in advance;
4, to comply with the security agreement;
5, the borrower in the loan before the bank deposit, should be not less than the amount of borrowing 1%-10% mutual savings accounts, implementation of the same grade demand deposit interest rate plus 0.6 percentage points a year deposit interest rates, interest settlement one time, mutual fund deposited in public savings account management.

Four, farmers UNPROFOR loans program: the peasant joint guarantee loan practice "first protocol, application, operation rules and loans".
1, farmers UNPROFOR UNPROFOR farmers independent protocol first by a security protocol, the shortest period of not less than 6 months, the longest not more than 3 years, the book format UNPROFOR UNPROFOR group the complete reunification of the agreement, each member with 1 inch 3 photos, by group leader to submit a written warranty agreement agbank.
2, the bank received the UNPROFOR UNPROFOR agreement agreement book, first to review whether the content is complete, after examination and verification by segment Xindaiyuan according to agreement set forth in poetic couplet and each farmer investigation content; during the process of investigation, loan ceiling with all the opinions of the members of the security agreement, and finish the work in ten working days.
3, determine the amount of loan UNPROFOR farmers. Investigation of ABC through poetic couplet protect farmers, determine the maximum loan UNPROFOR UNPROFOR agreement for each member in the amount. Each group member maximum loan amount shall not exceed the local union approved ceiling. The peasant joint guarantee loan does not allow for unprofor. UNPROFOR members approved the maximum loan amount minimum balance, not more than 10000 yuan.
4, hold the peasant joint guarantee loan card farmers loans, only required to produce the peasant joint guarantee loan card, ID card, a credit officer (counter staff) to check correct, fill in the application form signed loan contracts, fill in the contract fund allocated procedures.
5, the bank should be checked whenever and wherever possible poetic couplet and team members of the loan. As members of the group have poor management situation, the bank can take preservation measures. Natural factors but irresistible, the team members in a household loans overdue, namely to other members of the new loans, and to recover the original loan. UNPROFOR group as a member to apply for withdrawal from the security team, then stop the new loan of the group, the original loan and recover the members, the re formation of a new joint guarantee group. The loan amount, duration and interest rate loans UNPROFOR group maximum amount shall not exceed the approved UNPROFOR group loans UNPROFOR loans; the longest time limit shall not be higher than the UNPROFOR group agreement; loan interest rate in accordance with the provisions of the people's Bank of Chinese, determined by the bank for the farmers, can carry out quarterly interest and amortization, or expire debt the way.

Five, added a little, small loans to farmers, in addition to the Agricultural Bank, credit cooperatives, postal savings banks in handling. You can go to compare conditions, find favorable for it.