Take the Agricultural Bank of China as an example. If you meet the following conditions, you can apply for a paid loan at the Agricultural Bank:

1, at least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct;

2. There are legal and valid identity documents and the household registration certificate (or valid residence certificate) of the place where the loan bank is located;

3. The borrower and spouse meet the credit record conditions stipulated by the Agricultural Bank;

4. Credit score, working years and after-tax annual income meet the standards set by the Agricultural Bank;

5. Stable income and the ability to repay loans on time;

6. The purpose of the loan is reasonable and clear;

7. Open a personal settlement account in the Agricultural Bank.

Extended data:

1, loan amount

The maximum is 2 million yuan, and the maximum period is 5 years. The interest rate shall be subject to the relevant provisions of the Head Office on interest rate pricing.

2. Repayment method

If the loan term is within one year (inclusive), you can choose various repayment methods provided by the accounting system. If the loan term is more than one year, you can choose the average capital method to repay the principal and interest in equal monthly (quarterly) installments.

3. Treatment process

Loan application → loan investigation → loan review → loan approval → signing contract → credit review → loan issuance → loan recovery.

Agricultural Bank of China-Paid Loan