Farming requires machinery, poultry, livestock, seeds, etc. All this costs a lot of money, and if there is no initial capital, you need to take out a loan.
It is necessary
- - Agriculture;
- - documentation;
- - monthly income;
- - liquid property;
Instructions
Step 1
If you want to take a targeted loan for the development of a personal subsidiary farm (PSH), then decide how much money you need and for how long you want to take out a loan. For owners of private household plots, banks give loans for a period of two to five years, and for agricultural cooperatives and farms - up to eight.
Step 2
Also, if by the end of the term during which you must fulfill your loan obligations (return the money to the bank), you will be more than sixty-five years old - take with you a close relative who helps you run a subsidiary farm. He must act as a surety. His age should not exceed sixty years.
Step 3
To get a loan for agriculture - contact the Russian Agricultural Bank or Sberbank. Take with you:
- an extract from the household book;
- application for a loan;
- a passport questionnaire of the leading private household plots guarantor for a loan, certified by an employee of the city or village administration;
- a recommendation from the city or village administration.
Step 4
Also prepare documents that prove your income. For example, if you are a pensioner, then this is a certificate of the assigned pension from the Pension Fund, but if you work, this is a certificate of form 2 of personal income tax. It can also be documents that confirm income from agriculture.
Step 5
If you want to take out a loan for the development of private household plots in the amount of fifty to three hundred thousand rubles, take one friend with you as a surety. If you intend to ask the bank from three hundred to seven hundred rubles, bring two guarantors (three to Rosselkhozbank).
Step 6
If you do not earn enough to get a loan, offer the bank your liquid property as collateral, having previously insured it as collateral for the loan. If you are solely running a private household, insure your health and life for the entire term of the loan. Take all the documents and contact a bank representative with a request for a loan.
