Application conditions
/kloc-China citizens (excluding Hong Kong, Macao and Taiwan residents) aged from 0/8 to 56 with legal and effective capacity for civil conduct.
The monthly income is more than 2000 yuan.
Have a stable occupation and have worked in the current unit for more than 3 months (including 3 months).
attachment
A valid ID card and passport for me and my spouse.
Marriage certificate (unmarried certificate or single certificate is required)
Financial product statement or utility bill or household registration book in the last three months.
Personal tax payment certificate or bank statement or bank transaction flow or bank passbook in the last three months.
Information required for the loan under the loan conditions of Agricultural Bank of China:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Please note:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
4. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;
5. Customers blacklisted in the credit information system cannot apply for loans;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
What are the loan terms of China Agricultural Bank? The credit loan conditions include the legality and independence of the applicant's operation, certain self-owned funds, the need to open a basic account in a bank, and the ability to repay the principal and interest on schedule.
1. The credit loans of Agricultural Bank of China refer to enterprises, units and individuals. Specifically, the object of the loan needs to reflect the essential requirements of the credit fund movement, and the interest can be guaranteed to be repaid after the loan is issued. The second point is that it needs to meet the requirements of the loan principle of commercial banks, and the issuance of loans should follow the principles of safety and liquidity in Xiaoyi County. The third point is the requirement of the investment direction policy of loans, and the investment direction of loans needs to obey China's industrial policy.
2. ABC's credit loan conditions refer to what conditions the object has to obtain this loan, and it is also a specific requirement for the loan object. The credit loan conditions of ABC include the legitimacy and independence of the applicant's operation, certain self-owned funds and the ability to repay the principal and interest on schedule.
3. The conditions for an individual to apply for a credit loan from the Agricultural Bank of China require a stable job and a stable residence. Personal credit status is good. China Agricultural Bank also has certain conditions for the monthly income of borrowers, which meets some basic physical conditions for personal credit loans. If you can provide proof of work income, water, electricity and coal bills, and proof of three-month bank salary income, you can apply for a personal credit loan from the bank.
Agricultural bank loan terms? Detailed! First, you need to know what kind of loan products you want to apply for.
Then apply for a loan according to the loan products you need and the requirements of the lending institution you apply for.
There are many kinds of loan products, including housing loans, car loans, consumer loans, commercial loans, credit loans and so on. The terms of these loans are different, and the requirements of different banks are also very different.
Let me give you a brief introduction to the general requirements of various types of loans:
Credit loan:
1. General credit loans require the applicant to have a legitimate occupation and a stable income (generally, it is required to provide a bank statement to prove salary income).
2. You need to have a good credit record, and you can't maliciously default or delay repayment many times.
3. If you have real estate and vehicles, it can help you increase the amount and possibility of loans.
4. The loan amount is generally about 10 times of your monthly salary.
Mortgage loan:
1. You need to provide collateral, usually real estate.
2. Generally, banks require that the property cannot be mortgaged (or even if the mortgage loan has not been repaid) unless you can repay the last loan before lending.
3. Generally, the room age should not be too high (rarely accepted for more than 20 years)
4. Generally, you can borrow 60% ~ 80% of the appraised value of the house in the bank.
The above are only the simplest and most basic requirements, and each bank and lending institution will have different requirements. You can use the Rong 360 loan search platform to make specific inquiries, find the loan products and institutions that suit you, and then apply. You can also apply directly to the bank or log on to the bank website.
The individual housing loan of Agricultural Bank refers to the loan granted by Agricultural Bank to borrowers for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing by urban residents (excluding export housing). When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Basic conditions for applying for personal loan from Agricultural Bank: the borrower must be a natural person with full capacity for civil conduct, have permanent residence or valid residence status in cities and towns, have a stable occupation and income, have good credit, have the ability to repay the loan principal and interest, have a house purchase contract or agreement, be able to pay a down payment of not less than 20% of the total house purchase price, agree to use the purchased house as collateral, or provide assets recognized by the handling bank as collateral or pledge, or bear the repayment of the loan principal and interest by units or individuals with sufficient compensation capacity.
The loan period can be reasonably determined according to the actual situation, but the longest loan period shall not exceed 30 years, and the loan interest rate shall be implemented according to the relevant interest rate policies of the People's Bank of China. The borrower shall provide the loan application, the purchase contract signed by the buyer and the seller, and the original title certificate of the purchased commercial house (including the title certificate and the files that have been approved for sale).
If the seller is an enterprise legal person, it shall provide the business license of the enterprise legal person and the certificate of legal representative, the identity documents of the buyer and the seller (referring to valid residence certificates such as resident ID cards and household registration books) and the proof of marital status, the borrower's family income stability certificate, the list of collateral or pledge, the ownership certificate, the certificate that the authorized disposition agrees to mortgage or pledge, the appraisal certificate and other valid documents; The written opinion of the guarantor agreeing to the guarantee and the guarantor's credit certificate, as well as other documents or materials stipulated by the loan bank.
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
(1) basic conditions
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;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. Being able to pay a down payment of not less than 20% of the total purchase price;
5. Agree to use the purchased house as collateral, or provide assets recognized by the handling bank as collateral or pledge, or a unit or individual with sufficient compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities.
(2) loan term and interest rate
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 shall be implemented in accordance with the relevant interest rate policies of the People's Bank of China.
Two. Information to be provided by the borrower
1, loan application;
2. The purchase contract signed by the buyer and the seller;
3. The original title certificate of the purchased commercial house (including the title certificate and the documents that have been approved for sale). If the seller is an enterprise legal person, it shall provide valid documents such as the business license of the enterprise legal person and the certificate of legal representative;
4. Identity documents of the buyer and the seller (referring to valid residence certificates such as resident identity cards and household registration books) and proof of marital status;
5. Proof that the borrower's family income is stable;
6. List of collateral or pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of the mortgage or pledge, and certificate of valuation; The written opinion of the guarantor agreeing to the guarantee and the credit certificate of the guarantor;
7. Other documents or materials required by the lending bank.
Third, the loan guarantee method
There are four ways of guarantee: mortgage, pledge, guarantee, mortgage plus guarantee.
1, mortgage guarantee
If the borrower uses the purchased owner-occupied house as collateral for the loan, it must use the full value of the house as collateral for the loan; Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract; The borrower must properly keep the mortgaged property during the mortgage period, be responsible for repairing and maintaining it and ensure that it is intact, and accept the supervision and inspection of the lender at any time. Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization; During the mortgage period, the mortgagor shall not mortgage, lease, transfer, sell or give away the collateral again without the consent of the lender.
2. Pledge guarantee
If pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the principal and interest of the loan; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.
Step 3 guarantee
If the borrower fails to provide the mortgage (pledge) in full, the third party recognized by the lender shall provide joint liability guarantee. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan on his behalf and open a deposit account in a bank. If the guarantor is a natural person, the principal and interest have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank; The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor is changed, the formalities for changing the guarantor must be handled in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked.
4. Mortgage plus guarantee
It refers to the loan issued by the lender to the borrower on the basis that the borrower has not obtained the property right of the purchased house, and requires the borrower to provide a third-party joint and several liability guarantor with the ability to pay off on behalf of the borrower as the loan guarantee. At present, the developer of the purchased house is generally required to be the guarantor.
Fourth, the calculation of loan repayment
For repayment of individual housing loan, if the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.
Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay in advance:
(1) Full prepayment
After the loan reaches 65,438+0 years, the borrower may apply for one-time prepayment of the outstanding loan principal and interest.
(2) Partial prepayment
The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.
Hope to adopt! ~
What are the conditions for the Agricultural Bank loan? 20 16 conditions required by the borrower.
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial report.
What are the requirements for applying for a loan from Agricultural Bank of China in Shanghai? To apply for a loan from the Agricultural Bank, you need to meet the following basic conditions:
1, with full capacity for civil conduct and legal and valid identity documents;
2. Have the ability to repay the loan principal and interest;
3. Good credit status;
4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes;
5, there is no less than the minimum required proportion of the first payment certificate;
6. Set mortgage guarantee for the purchased house in principle;
7. Other conditions stipulated by the Agricultural Bank.
What are the loan terms of China Agricultural Bank? 1. Conditions required by individual first-hand housing loan borrowers: 1, full capacity for civil conduct and legal and valid identity documents; 2. Have the ability to repay the loan principal and interest; 3. Good credit status; 4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes; 5, there is no less than the minimum required proportion of the first payment certificate; 6. Set mortgage guarantee for the purchased house in principle; 7. Other conditions stipulated by the Agricultural Bank. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches. Two. Scope of handling personal car loans: the handling bank, borrower, insurer and guarantor are not allowed to issue loans in different places in the same prefecture-level city. Mortgaged vehicles shall go through the licensing and mortgage registration procedures at the vehicle management office and the traffic management department of the public security organ where the handling bank is located, and shall not be handled in different places (except as otherwise stipulated or approved by the head office); A tier-one branch may decide whether to apply for compulsory notarization according to the situation. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches. III. Definition of Netjet Loan Netjet Loan refers to a small consumer loan that China Agricultural Bank issues in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The loan is used reasonably, and the loan amount applied by NetJet is clearly 3,000-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
The loan terms of ABC are personal. At present, the loans handled by ABC for individuals mainly include four series of products: good life loans, good consumption loans, good entrepreneurship loans and special loans. These include:
First, the individual employment loan application conditions:
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.
Handling personal employment loan process: customers apply for loans and submit relevant materials → banks conduct investigation and approval → sign loan contracts → handle mortgage, pledge registration and other related procedures → issue loans.
Second, Wangpu loan, bidding conditions:
1. The borrower is under 60 years old;
2. Personal credit status is good;
3. Being able to provide the street-facing commercial flourishing shop under the name of himself or his spouse as collateral;
4. The collateral has been leased and operated normally, and the rental income basically covers the monthly repayment;
5. Agree to open a rental income supervision account in the loan bank and accept the supervision of the loan bank.
Business process of applying for Wangpu loan: customers apply for personal commercial real estate mortgage loan and submit relevant materials → banks conduct investigation and approval → banks sign loan contracts and supplementary agreements with borrowers → go through guarantee and insurance procedures → issue loans.
Applicants are required to provide the following information:
1, identity documents of the borrower and spouse;
2. Proof of the marital status of the borrower;
Agricultural Bank loan conditions 50,000 yuan Small loan application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. After approval, the loan was issued successfully.