农户申请使用小额信用贷款的条件是:居住在信用社的营业区域之内,具有完全民事行为能力;资信良好;从事土地耕作或者其它符合国家产业政策的生产经营活动并有合法可靠的经济来源;具备清偿贷款本息能力的农民。程序为:农户凭本人有效身份证件。向户籍所在地的农村信用社提出申请, The conditions for the farmers to apply for the use of microcredit loans are as follows: They live within the business areas of the credit cooperatives and have full capacity for civil conduct; have good credit; engage in land cultivation or other production and business activities in line with the state’s industrial policies and have a legal and reliable source of income ; Have the ability to repay the loan principal and interest farmers. Procedure is: Farmers with their own valid identity documents. Apply to the rural credit cooperatives where the household registration is located,