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Targeted customer:
Individuals who are in need of capital for implementing agricultural
production plan.
Loan
objective:
-
Farming (cultivating rice,
corn, vegetables and bull): to satisfy the purchase of seeds,
agricultural materials, plough machines, combined harvesters, the cost
for soil improvement and so forth.
- Breeding (pigs, cows, catfish, pacific dory, snakehead, shrimp,
tortoise and so forth):to satisfy the purchase of stock, food, the
construction of breeding facilities, the cost for pond renovation,
the labor cost and so forth.
Loan limit:
to satisfy capital demand of the plan but not exceeding the value of
secured properties.
Loan Term:
depending on loan request’s agricultural production plan, the loan term
might be either a short term of 12 month downward or medium one of 12 to
36 month.
Mode of repayment:
term-end or periodic term
depending on the harvest season.
Secured properties: the right of
using farm-land/residing land certificate or other customer’s or
his/her guarantor’s valuable properties.
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Loan
Objective:
to
satisfy the customer’s operating capital supplement, workshops and
factories enlargement, additional equipments procurement…
Secured properties:
The right of using farm-land/residing land
certificate, house ownership certificate…
Loan term: not exceeding 36 months.
Mode of Repayment:
Flexible installment repayment(monthly, quarterly) on a periodic term/
term-end. |
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3.1
Market and community accumulative fund loan:
Loan objective:
to satisfy the customer’s operating capital supplement of small
shopkeepers, venders trading at streets and markets.
Secured properties:
not applicable
Loan
term:
not exceeding 12 months.
Mode of Repayment:
Installment
repayment(daily, weekly, biweekly, monthly).
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3.2
Consumption Loan:
Loan objective:
to satisfy the customer’s need who are doctors, officials… to
purchase home appliances and instruments
Secured properties:
not applicable
Loan
term: not exceeding 36 months.
Mode of Repayment:
Monthly Installment
repayment.
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3.3
Means of transportation Loan:
Loan objective:
to satisfy the customer’s need in purchasing motorbikes, cars,
trucks.
Secured properties:
collaterals derived from the loan, the right of using
farm-land/residing land certificate, house ownership certificate.
Loan term:
not exceeding 36 months.
Mode of Repayment:
Monthly installment
repayment.
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Loan objective:
to meet customer’s
need of consumption, or capital supplement
Secured properties:
share certificate, bond, passbook…
Loan term: not exceeding 12
months.
Mode of Repayment:
on deadline. |