(1) is over 18 years old (inclusive), the sum of the age at the time of applying for a loan and the loan term is not more than 65 years old (inclusive), has a fixed residence or business premises in the countryside, is in good health, has full capacity for civil conduct and labor, and holds valid identity documents.
(2) The customer's credit rating result is medium or above.
(three) a stable source of income, with the ability to repay the principal and interest on schedule.
(4) The production and operation activities are legal and compliant, in line with the national industrial, industrial and environmental policies, and the loan is used legally.
(5) Having good conduct and no overdue loans when applying for loans (except for overdue loans caused by major natural disasters or policy reasons determined by the Head Office or tier-one branches).
(six) other conditions stipulated by the Agricultural Bank of China.
Need to provide one of the following full mortgage guarantee
1. Guarantee mode. Including corporate customers, professional guarantee companies, farmers' professional cooperatives, natural persons, multi-family joint guarantee and other guarantees.
2. Mortgage guarantee method. Including real estate, transportation, large and medium-sized agricultural machinery and other mortgage guarantees. Forest right mortgage shall be implemented according to the relevant system of forest right management of our bank. For the mortgage of contracted management rights such as wasteland, barren hills and barren hills, tier-one branches shall formulate detailed rules for implementation according to relevant laws and regulations and economic characteristics within their jurisdiction.
3. Pledge guarantee method. Including precious metals, certificates of deposit, bonds, warehouse receipts and other pledges.
; bank loan
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.
Baidu encyclopedia-bank loan