Individuals who can handle comprehensive credit business can be divided into two categories: one is individuals who have 300,000 yuan (or equivalent foreign currency) in China Agricultural Bank, or spend more than 654.38+10,000 yuan on credit cards and debit cards in this bank; The other is social celebrities recognized by banks, such as famous experts, scholars, senior journalists and editors, and senior managers in the securities and real estate industries. , but they are not limited to any category. As long as you can't provide equivalent unexpired certificates of deposit or treasury bonds, you must have real estate as collateral. The comprehensive credit line that an individual can obtain is 60% of the value of his property, and the maximum comprehensive credit line that can be obtained in our bank with property mortgage or securities pledge does not exceed RMB 2 million. The credit line has three characteristics: long term, large amount and recycling, that is, customers can use the credit line flexibly for many times within three years.
The procedure for handling this business is to apply to the bank first to determine the qualification; Then the guarantee company will review the customer information; Then the real estate appraisal company evaluates the real estate value of customers; Finally, go through the mortgage registration procedures. The comprehensive credit interest rate is the bank loan interest rate for the same period.