Product features:
Meet the financing needs of customers for valuable certificates of rights due to insufficient temporary capital turnover in production, operation and life.
Applicable object:
A natural person with full capacity for civil conduct who holds a certificate of valuable rights in the name of himself or others.
Handler:
1. Loan application: When the borrower applies for a loan, he should fill in the Approval Form for Personal Pledged Loan Application of Agricultural Bank of China, and the borrower and the pledger should be present at the same time.
2. Loan investigation: The operating bank investigates the qualification of the loan applicant and the authenticity and legality of the pledge of rights.
3. Loan approval and issuance: If the bank agrees to the loan, it shall notify the person in charge of the loan investigation to hold the certificate of price right to stop payment, the bank, the borrower and the pledger shall sign the Personal Pledged Loan Contract of Agricultural Bank of China, and the bank shall fill in the loan certificate to issue the loan.
The loan term shall be determined by the bank and the borrower through consultation, but the longest term shall not exceed the maturity date of the pledge right certificate; If more than one certificate is pledged, the loan term shall not exceed the latest date of the certificate on the premise of ensuring that the principal and interest of the loan can be fully recovered. Under normal circumstances, no extension will be granted.
4. Loan repayment: After the borrower pays off the principal and interest of the loan according to the pledged loan contract, he will retrieve the valuable rights certificate with the certificate pledge list.
Handling location:
All authorized and sub-authorized business organizations can handle it.