Qualified Applicants:

Corporations or individuals dealing with the production, processing, transportation, selling, and storage of agricultural, forestry, fishery, livestock, and aquaculture products, as well as leisure agricultural and agricultural development businesses.

Loan Purpose and Period:

1. Working capital:
   1. (1) Short-term: maximum of one year.
   2. (2) Mid-term: maximum of five years, with the grace period not exceeding one year.
2. Capital expenditure:
   Mid- and long-term: maximum of 15 years, with the grace period not exceeding three years.

Interest Rate:

As stipulated by the Bank.

Collateral:

Complete guarantee by property, buildings or agricultural land accepted by the Bank, or other collaterals accepted by the Bank; or the guarantee by Agricultural Credit Guarantee Fund.

Guarantor:

Provide according to the Bank’s stipulation.

Method of Repayment:

1. Short-term loans:
   1. (1) Demand Loans:multiple-time appropriation of fund within the contract period. The fund can be revolved, with the maximum loan period of 180 days each. The interest is repaid each month; the principal is repaid upon maturity.
   2. (2) Time Loans:one-time appropriation of fund. The interest is repaid each month; the principal is repaid upon maturity.
2. Mid- to Long-term Loans:
   1. (1) One-time or multiple-time appropriation of fund, which cannot be revolved. Within the grace period, only monthly repayment of interest is required. After the grace period, the borrower should repay the principal by installment, plus monthly repayment of interest. Or amortize the principal and interest evenly each month.
   2. (2) In accordance with the harvest period, the borrower is allowed to repay the principal once or twice every year.