농업 정책자금 농협대출 - 농축산 경영자금 대출
농업 정책자금 농협대출 - 농축산 경영자금 대출
- 지원목적 : 농업인에게 농업경영비의 일부를 저리로 대출함으로써 농축산농가의 농업경영을 원활하게 하고 농가소득 증대를 도모
- 대출금리 : 연 2.5%
- 대출조건
구 분 대출금액 대출기간 농업경영자금/축산경영자금 대출잔액기준 1,000만원 이내 대출일로부터 1년이내 재해대책경영자금 농가당 100만원~5,000만원이내(법인 1억원이내) 1년이내(1년연장가능) - 대출사무소 : 대출신청은 농업인 거주지 또는 거소지 관할 농축협 본ㆍ지소
- 농업경영자금(원예작물자금 포함) : 벼농사 등 경종농가 및 맥류, 채소, 과수 원예 등 특작농가
- 축산경영자금 : 부업규모의 축산농가
- 재해대책경영자금 : 농어업재해대책법 등에 의한 농작물 피해농가
- 재해연기자금 : 재배피해 농가에 대하여 1년(또는 2년) 상환연기 및 1년(또는 2년) 동안 이자감면
- 농가 및 영농회 처리사항
- - 개별농가는 경작면적,농업경영비 소요액,대출금액을 기재한 대출 신청서를 마을영농회에 접수
- - 영농회 임원회에서 농가별 신청금액을 농업경영비 소요금액과 영농규모를 감안하여 대출신청금액 조정 결정
- 대출사무소 처리사항
- - 영농회에서 제출한 영농회별 대출신청서에 의거 농업외 타직업 보유여부, 신용불량거래자,연체채권보유자, 임대농, 비농업인, 한도초과대상자 등 대출부적격 여부 심의
- - 소요경영비 심사, CSS심사 등을 통해 최종 대출금액 결정
- - 자금소요시기 등을 감안하여 적절한 시기에 대출지원
- 대출종결기일 : 익년도 1월말까지
資金導入
サポート目的：農家に農業経営費の一部を低利で融資することにより、農畜産農家の農業経営を円滑にして、農家所得の増大を図る
ローン金利：年2.5％
融資条件
区分融資額融資期間
農業経営資金/畜産経営資金の融資残高基準1,000万ウォン以内の融資の日から1年以内
災害対策経営資金農家当たり100万ウォン〜5,000ウォン以内（法人1億ウォン以内）1年以内（1年延長可能）
ローン事務所：ローンの申し込みは、農業者の居住地または巨大所持管轄ノンチュクヒョプ本及び支所
ローン対象者
農業経営資金（園芸作物の資金を含む）：稲作など警鐘農家とうどんこ、野菜、果樹園芸など特作農家
畜産経営資金：副業規模の畜産農家
災害対策の経営資金：農漁業災害対策法などによる農作物の被害農家
災害煙資金：栽培被害農家に対して1年（または2年）償還延期と1年（または2年）の間であり、減免
ローンの手続き
農家とヨウンノンフェ処理の
- 個々の農家は耕作面積、農業経営費所要額、融資額を記載した融資申請書を町ヨウンノンフェに受付
- ヨウンノンフェ役員会で農家星の申請金額を農業経営費かかる金額と営農規模を勘案してローンの申込金額の調整を決定
ローン事務所の処理内容
- ヨウンノンフェで提出したヨウンノンフェ星ローン申込書に基づき、農業のほか、他の職業を保持するかどうか、信用不良トレーダー、延滞債権者、リース農、ビノンオプイン、制限を超えて対象者などの融資不適格かどうか審議
- かかる操業費用の審査、CSS、審査などを介してエンド融資額決定
- 資金所要時期等を勘案して適切な時期に融資サポート
ローン終結期日：翌年度1月末まで
Introduction of funds
Objective: To facilitate agricultural management of agriculture and livestock farmers and increase farm household income by lending part of agricultural management costs to farmers.
Loan rate: 2.5% per annum
Loan condition
Classification Loan amount Loan period
Agricultural management fund / livestock management fund Loan balance Within 10 million won Within 1 year from the date of loan
Disaster countermeasure Management fund Within 1 million ~ ~ 50 million won (farm corporation 100 million won) Within 1 year (1 year extension possible)
Loan office: Application for loan is made by residence or residence of farmers,
Subject to loan
Agricultural management funds (including horticultural crop funds): rice farming farms such as rice farming, farmland, vegetables, fruit trees, etc.
Livestock Management Fund: Livestock Farmers
Disaster countermeasures Management fund: farm damage farmhouse by the agriculture and the fishery disaster measures law
Postponement of disaster: 1-year (or 2-year) repayment and 1-year (or 2-year) interest reduction
Loan procedure
Farmer's and spiritual gathering matters
- Each farmer receives a loan application form that lists the cultivation area, agricultural management expenses, and the amount of the loan to the village farming society
- Decision to adjust the loan application amount considering the required amount of agricultural management expenses and farm scale in farmers' association meeting
Loan office matters
- Based on the loan application form by the farming society, it is considered whether there are any other jobs besides agriculture, bad credit traders, overdue holders, rental farmers, non-farmers,
- Determination of the amount of final loan through screening of management expenses and CSS examination
- Loan support in a timely manner considering the time required for funding
The loan termination date: The next year The end of January
