1, 18-65 years old, with full capacity for civil conduct, with a fixed residence in the local area and valid identity documents;

2, with a valid production and operation certificate, engaged in special industries should have the right to approve the special industry business license issued by the department;

3. Have management experience in this industry and have been engaged in this industry for more than 2 years, and have certain management capabilities;

4, with stable operating income and the ability to repay the loan principal and interest on schedule;

5. The secured loan must be legal, effective and worthy of guarantee;

6. Good credit record;

7. Meet other conditions of Agricultural Bank of China.

Four, China Agricultural Bank operating loan process.

Customers apply for loans and submit relevant materials → banks conduct investigation and approval → sign loan contracts → handle mortgage and pledge registration and other related procedures → issue loans.

V. Agricultural Bank Loan Information

1, identity documents of the borrower and spouse;

2. Proof of the marital status of the borrower;

3. Proof of the borrower's repayment ability;

4. The certificate of real estate rights of mortgaged property and the certification materials of the authorized person's consent to mortgage;

5. Lease contract and proof of rental income;

6. Proof of loan use;

7. Other materials required by the lending bank.

Legal basis:

Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Derivative problem:

Agricultural Bank of China deals in loan products.

1. Personal employment loan

Personal employment loans refer to RMB loans granted by Agricultural Bank of China to natural persons for legal production and operation.

2. Personal first-hand commercial housing loans

The borrower applies to the Agricultural Bank for the first time to purchase business premises or office premises, and repays the principal and interest to the lender on a monthly basis with the purchased business premises as collateral.

3. Personal second-hand commercial housing loans

Refers to the loan issued by the loan bank to the borrower for the borrower to purchase the business premises or office premises (hereinafter referred to as business premises) that have obtained the real estate ownership certificate and can be traded again in the tertiary real estate market.

4. Wangpu loan

Refers to the loan that the borrower uses the leased commercial real estate owned by himself or his spouse as collateral for specific purposes.