It's not the peak season when applying.
And the congratulatory materials submitted are complete, true and effective, then the approval process of ABC's mortgage can generally be completed within 15 working days.
In order to avoid the delay of approval, applicants should know their credit status, fixed income and economic situation in advance, choose the appropriate loan amount, and ensure that all the materials submitted are accurate, which can greatly speed up the approval time.
How long will the Agricultural Bank loan?
It takes a month's working day.
It usually takes a month from the bank accepting personal data to lending money. First, make a preliminary review of the branch you mortgaged, and then report it to the head office for final review. During this period, your purchase contract will be filed with the real estate bureau, and after the contract is filed, it will be registered by the real estate bureau.
Then the head office approves the funds, then enters the mortgage department, and it takes another 3-5 days to lend money. The general income certificate will be confirmed by the bank, that is, within one week of your submission. Generally, if you arrange it, the bank will not keep asking questions, and it will easily pass. Moreover, it is also possible to provide more proof of other assets or deposit some money in the bank.
: latest agricultural bank loan interest rate
Project annual interest rate%
I. Short-term loans
Within one year (including one year) 4.35
Second, medium and long-term loans
One to five years (including five years) 4.75
More than five years 4.90
Three. The annual interest rate of individual housing provident fund loans is%.
Under five years old (inclusive) 2.75
More than five years 3.25
Four, national trade and national commodity production loans
In order to support the development of agriculture-based transportation industry, the state has introduced many loan policies in finance, including general loans, mortgage loans for land management rights and mortgage loans for rural houses. But do you know how to borrow these loans?
Lending banks: Agricultural Bank, Postal Savings Bank, credit cooperatives and other commercial banks.
Taking rural credit cooperatives as an example, farmers can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving a loan application, a rural credit cooperative shall review the purpose and amount of the loan. The general amount should be controlled at 50-65438+10,000 yuan, and the specific amount varies from place to place.
Credit cooperatives also have farmers' joint guarantee loans, and three or five farmers form a joint guarantee group to guarantee each other's loans. The loan amount of joint guarantee is relatively higher than the personal credit loan amount.
Matters needing attention
According to the current regulations, loans can only be used for agricultural production expenditures such as planting and aquaculture; Agricultural machinery loan; Small credit loans for farmers can only be used for agricultural services before, during and after delivery and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school.
Cooperative loan
Farmers' professional cooperatives and their members can implement preferential interest rates, and the specific preferential range is determined by local conditions.
Cooperative loan conditions:
Approved and registered by the administrative department for industry and commerce, and obtained the legal person business license of farmers' professional cooperatives; Having a fixed place for production, operation and service, and engaging in the production, operation and service activities stipulated in the articles of association of farmers' professional cooperatives according to law; Having a sound organizational structure and financial management system, and being able to submit relevant materials to the rural credit cooperatives on time; Open a deposit account in a bank applying for a loan and voluntarily accept credit supervision and settlement supervision; No non-performing loans and interest arrears; Other conditions stipulated by the bank.
Family farm loan
The maximum loan amount of the Agricultural Bank to the family farm is 6,543,800,000 yuan, which can be used not only to meet the demand for working capital such as purchasing agricultural means of production, but also for the infrastructure construction and land transfer expenditure of the Agricultural Bank of Eliza, and the longest loan period is five years.
What are the forms of mortgage or guarantee?
In view of the difficulty in rural guarantee, Agricultural Bank of China has innovated such guarantee methods as agricultural machinery and tools mortgage, agricultural and sideline products mortgage, forest right mortgage, new rural property right mortgage, "company farmer" guarantee and professional cooperative guarantee, and also allowed credit loans to qualified customers.
Mortgage loan of land management right
Mortgage loan of rural land contractual management right refers to the loan that farmers or cooperatives apply to financial institutions with legal rural land contractual management right as collateral.
Materials to be submitted for applying for land loan
Identity certificate or other supporting materials; Certificate of ownership of land management right; Application for mortgage registration of rural land management rights; Certificate of mortgage registration of rural land management right; Commitment letter on mortgage of land management right; Application for mortgage loan; Other materials required by the bank.
General process of land loan
Loan application → loan investigation → loan approval → signing mortgage contract → handling mortgage registration procedures → loan issuance → post-loan inspection → loan return.
Forest right mortgage loan
Lenders should establish a mortgage property value evaluation system to evaluate the mortgaged forest property value when conducting forest property mortgage loan business. For a forest right mortgage loan project with a loan amount of less than 300,000 yuan, the lender shall make its own assessment with reference to the local market price, and shall not charge the borrower an assessment fee.
The mortgage loan procedure is as follows:
1. The obligee submits a new version of the forest right certificate.
2. The obligee submits a written mortgage application (including personal basic information, forest right, loan amount, financial credit certificate, etc.). )
3. If the right holder is an individual, submit a copy of the personal ID card; It is a copy of the legal person's ID card and the qualification certificate submitted by the unit.
4, township forestry station signed a preliminary opinion on the written mortgage application.
5, county forestry planning survey and design team on-site assessment, making assessment report.
6. Loan agreements for the financial sector
7, the financial sector to provide a copy of the unit registration and a copy of the legal person ID card.
8. Pay fees and handle other warrants.
housing mortgage loan
This year, the central government will issue a national guidance document on rural housing mortgage loans, which has attracted much attention. Recently, Liuyang, Hunan officially launched the pilot reform of rural housing mortgage financing.
Rural housing mortgage loan process
Lenders obtain rural real estate licenses-apply for loans from rural commercial banks-both parties confirm the real estate value on site-sign mortgage contracts-the village committee agrees to grant collective land mortgage registration certificates-house mortgage registration-issue loans.
Agricultural mortgage loan quota
Rural commercial banks refer to the market value and liquidity of collateral to determine the loan mortgage rate, which is generally 50-70% of the assessed value of mortgaged real estate; The loan term is mainly short-term (within one year), and the interest rate depends on the borrower's credit rating and operating conditions. Generally, it will go up by 50% on the benchmark interest rate, and customers with particularly high quality can also go down appropriately.