1. How to handle the loan from ABC?
Let's take a look at the loan process of ABC. The process of handling loans at the Agricultural Bank is as follows:
65438+
2, China Agricultural Bank audit, handle the relevant formalities. China Agricultural Bank will conduct a detailed review of the borrower's credit standing, repayment ability, collateral and loan purpose, so as to judge whether to make the next repayment and the next repayment amount, determine the invited borrower who can make the next repayment, and go through notarization, mortgage registration, contract signing and other procedures;
3, according to the contract. After all the formalities are completed, the Agricultural Bank of China will open an independent account for the borrower to repay the loan and distribute the money to facilitate the borrower to repay the loan on time in the future.
Agricultural Bank loan conditions are:
The handling requirements of different loan types are different. The following is a brief introduction to the handling conditions of several agricultural bank loans:
The first category, credit loans
Agricultural Bank of China's online loans and on-the-job loans are credit loans, and the audience is working-class people with stable jobs. Its handling conditions are self-evident-stable work and income, good credit information, both of which can be satisfied.
The second category, mortgage and pledge loans.
Agricultural Bank of China's personal first-hand commercial housing loans, personal second-hand commercial housing loans, Wangpu loans and other loan types are mortgage loans. When handling these loans, in addition to the borrower's good qualifications, it is also necessary to provide collateral recognized by the Agricultural Bank of China.
The third category, housing mortgage loan.
There are many kinds of housing mortgage loans of Agricultural Bank of China. In addition to primary and second-hand housing mortgage loans, there are revolving loans and other types of loans. Generally, when handling such loans, more attention is paid to the borrower's age, income and provident fund deposit.
Second, what should I pay attention to when handling bank loans?
Precautions 1. Choose the loan type that suits you.
When it comes to choosing loan types, Bian Xiao generally advocates that everyone should choose according to their own needs and current situation. For example, if you need short-term small funds, then don't apply for a housing loan. If you apply for a special loan, such as a car loan, apply for such a loan directly from the bank.
Note 2. Pay attention to repayment on time, and don't be overdue.
Everyone should be careful not to overdue any bank loan, because once overdue, the consequences of breach of contract will be very serious, in addition to penalty interest and collection, serious ones will be blacklisted, leading to subsequent bank loans.