Personal employment loans are applicable to China natural persons engaged in legal production and business activities, including individual industrial and commercial operators, sole proprietorship investors, partnership partners and small business owners.
What are the advantages of personal employment loans?
1, with a high loan amount; The maximum loan amount for a single household is 6,543,800 yuan.
2. Flexible methods and multiple choices: credit loan amount+secured loan amount+mortgage loan amount+pledged loan amount.
3. The mortgage amount can be approved once and reused many times.
4. You can use the self-help method to borrow and repay by yourself, which is easy and independent.
What conditions do borrowers need to apply for personal employment loans?
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.
Loan term and interest rate
The loan term shall not exceed 5 years at the longest, and the loan interest rate shall be subject to the regular interest rate of the People's Bank of China, the credit status of customers and the relevant regulations of the Agricultural Bank of China.
How to apply for personal employment loan
Customers apply for loans and submit relevant materials → banks conduct investigation and approval → sign loan contracts → handle mortgage and pledge registration and other related procedures → issue loans.
Note: The specific business types, processes and conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China.