The borrower must be 18-55 years old and have full capacity for civil conduct; Have a stable job and economic income; Working continuously in the current unit for more than six months; Personal credit record is good; Other loan conditions stipulated by the bank. At present, the maximum applicable amount of Huimin loan is 300,000, and the service period is divided into 3-36 months, so you can choose according to your own situation. Huimin loan interest rate is not particularly high, calculated on a daily basis. The daily loan interest rate can be as low as 0.02%. Of course, the longer the loan term, the more interest, and the different users' interest rates may be different, so the actual repayment interest shall prevail.

3. What are the conditions for Huimin loan?

Huimin loan application conditions: 1. The borrower must be between 18-55 years old and have full capacity for civil conduct; 2. The borrower has a stable job and economic income; 3. At the time of application, the borrower has been working in the current unit for more than six months; 4. Personal credit record is good; 5. Other loan conditions stipulated by the bank.

Different users get different credit lines when handling loans, so they must return them on time after borrowing, and there can be no overdue situation. Because there will be penalty interest after overdue repayment, the longer the time, the more penalty interest. Moreover, after the deadline, the bank will collect the money, and the common collection method is to call the borrower.

If it is in loans overdue, it will be uploaded to the Credit Information Center. If the credit information deteriorates, it will affect the subsequent handling of various loans, such as car loans or mortgages. The overdue arrears will be retained for at least 5 years after being returned, and will automatically disappear after 5 years, and will not remain in the credit information all the time.

When handling Huimin loans, you should measure your repayment ability and know what kind of income to use to repay. In fact, if you can't repay on time, you can borrow money from friends around you. Follow-up individuals can pay back their money to their friends, but you can't borrow money from friends many times, so as not to cause others to resent it.

4. What conditions does ABC want? I don't have a mortgage on a house or a car or anything! ...

Hello, Agricultural Bank of China provides comprehensive credit loans for individual customers. You can choose the way that suits you. Here is a brief introduction to this business. For reference only, if you are interested, you can contact the local Agricultural Bank (the implementation policies vary from region to region).

The comprehensive credit loan business for individual customers refers to the business that the bank determines the maximum credit limit according to the credit and guarantee provided by individual customers, and customers can easily obtain loans within the agreed time limit and maximum credit limit.

Features 1, one application, multiple ways. Customers can apply for a credit line at one time based on one of the ways of credit granting, pledge, mortgage and guarantee, or they can use the above four ways in combination and repeatedly.

2, a wide range of objects, flexible use. Borrowers can be individual business owners, enterprise investors, government civil servants, employees of public institutions and ordinary people. Loans have a wide range of uses, both for consumption and business.

3, the procedure is simple, worry-free and interesting. Customers only need "five certificates", that is, identity certificate, marriage certificate, household registration book, written use certificate and income certificate, to apply to the bank. If it is a real estate mortgage, you only need to go through the mortgage formalities once. The loan can be repaid with the loan, and the interest is calculated according to the actual loan amount and the actual use days.

The application conditions are 1, 18 to 65 years old, with China nationality and full capacity for civil conduct, good health and valid identification;

2. Have a fixed residence in the local area;

3. Have a stable occupation, stable legal income or personal legal assets sufficient to repay the loan principal and interest;

4. Good credit record, no gambling, drug abuse and other bad habits;

5. Open a personal account in the Agricultural Bank, and be willing to accept the credit and settlement supervision of the Agricultural Bank;

6. Applying for credit and secured credit must meet the credit rating conditions, and applying for collateral credit can provide legal, effective and sufficient guarantee.

In the bidding process, customers apply for comprehensive credit loans from individual customers and submit relevant materials.

The bank conducts investigation, examination and approval.

Banks sign credit contracts and loan contracts with borrowers.

Handle mortgage and pledge formalities by means of mortgage and pledge credit.

Use this letter within the credit limit and validity period.

The borrower repays the principal and interest of the loan according to the agreed repayment method.

Go through the formalities of loan settlement

Determine the comprehensive credit line Comprehensive credit line for individual customers = Pledged credit line Mortgage credit line Guarantee credit line

Credit Term The credit line with credit guarantee is valid for no more than 2 years, and the credit line without credit guarantee is valid for no more than 3 years.

Term and interest rate of a single loan The maturity date of a single loan shall not exceed the maturity date of the letter of credit at the latest, and the interest rate shall be implemented according to the purpose of the loan and the relevant regulations of the People's Bank of China and the Bank.

The letter of credit expires before its expiry date. If there are no bad records during the credit period, you can report to the original loan bank in advance, and you can get the credit line again after approval.