Many banks stop lending at the end of the year! In Shanghai, there is no charge at the end of the year!

2. What are the conditions for a loan from Agricultural Bank of China?

I want to know how much loan you want. Every bank is doing real estate mortgage loans, only requiring real estate. Generally, it is a commercial house with complete three certificates. At present, the operation of factories and shops is not very good. Commercial housing can not be mortgaged, the age of the house can not exceed 20 years, and the area should be more than 70 square meters. Good location, the current maximum mortgage is 70%, and the loan is used for business. Many banks are engaged in civil servant guarantee business. I visited a loan website, which seems to be called Book Bank Re-lending. It seems to be working with the bank. Everything is synchronized with the bank, and the interest, repayment method and term are the same. It is also an online financial platform recognized by the China Banking Regulatory Commission. There are many loan products and the service industry is good. At the same time, as long as your information meets the requirements of the bank, they can put the styles within 7 working days. They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions). Personally, I think it's good. It's quite formal. I suggest you try. It may have the loan information you want.

3. What are the loan terms of agricultural companies?

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.

4. What are the conditions for agricultural loans?

First, the borrower has a certain economic source and has the qualification of a legal person;

Second, the borrower or the project the borrower is engaged in is a business project in line with state regulations, and the project is related to agriculture;

Third, the project is expected to have good returns and repayment ability;

Fourth, the borrower or enterprise has certain self-owned funds before the loan;

Fifth, a basic independent account has been opened in the borrowing bank;

Sixth, the borrower or enterprise has a good credit.

1, the asset-liability ratio of rural borrowers shall not be higher than 70%.

2. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

3. Have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;

4. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;

5, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;

6. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

7 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

8 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.