First, the basic conditions of agricultural bank loans
The borrower must be a natural person with full capacity for civil conduct and meet the following conditions.
1, with urban permanent residence or valid residence status.
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2. Have a stable occupation and income, good credit and the ability to repay loan interest.
3. There is a purchase contract or agreement.
You can pay the down payment which is more than 20% of the purchase price.
5. Agree to use the purchased house as collateral, or provide assets recognized by the business as collateral and mortgage, or companies and individuals with full compensatory ability as guarantors to repay the loan interest and bear joint and several liabilities.
II. Loan Term and Interest Rate of Agricultural Bank of China
1. The loan term can be reasonably determined according to the actual situation, but the longest term shall not exceed 30 years.
2. The loan interest rate is subject to the interest rate policy of the People's Bank of China.
Three, the Agricultural Bank loan borrowers should provide information.
1, loan application
2. The house purchase contract signed by the buyer and the seller
3. The original certificate of property rights of the trading company purchased (including the real estate license and the documents that the sharer agrees to sell, etc.). ). When the salesperson is an enterprise legal person, he/she must provide valid business license of enterprise legal person, certificate of legal representative and other documents.
4. ID cards of the buyer and the seller (referring to valid residence permits such as resident ID cards and household registration books) and proof of marital status.
5 proof of the borrower's family income stability.
6. List of collateral or pledge, certificate of rights, certificate of pledgor's consent to mortgage, written opinion of guarantor of evaluation certificate and credit certificate of guarantor.
7. Other documents or materials required by the lending bank.
Four, the Agricultural Bank of China loan process
1. Submit an application for housing loan to the Credit Department of Agricultural Bank of China.
2. The loan officer of Agricultural Bank of China asks about your situation to see if you are eligible for a loan.
3. If qualified, please provide information such as three certificates of real estate development and proof of down payment.
4. The Agricultural Bank of China conducts examination and approval according to the materials.
5. Owners of real estate and collateral and additional guarantors in some areas need to sign contracts.
6. Issue loans.