Borrowers must have the conditions to apply for personal loans.

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.

Extended data:

Matters needing attention

1. The loan applicant's investment projects require him to have certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

2. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

Agricultural Bank of China-Personal Employment Loan