Agricultural Bank loans can be divided into commercial loans and provident fund loans. The actual loan interest rate refers to the benchmark interest rate of the central bank, and combined with the credit conditions of the loan applicant and the specific policy decisions of the bank, the loan interest rate obtained by everyone may be different.
1, housing commercial loan
The interest rate within the loan term 1 year (inclusive) is 4.35%;
Loan term 1 to 5 years (inclusive), with interest rate of 4.75%;
The interest rate of loans with a term of more than 5 years is 4.90%.
2, housing provident fund loans
The loan term is less than 5 years (inclusive) and the interest rate is 2.75%;
The interest rate for loans with a term of more than five years is 3.25%.
Extended data:
1. If the loan of Agricultural Bank is repaid in advance for less than one year, it will be charged by multiplying the principal by the monthly interest rate, that is, dividing the loan interest rate by 12 months minus the number of repayment months;
2. Repay the loan in advance after one year. As long as there is no record of prepayment before, no penalty will be charged.
3. If the repayment has been made in advance, the applicant will apply again one year later, and no penalty will be charged.
4, Agricultural Bank of China default fee:
The liquidated damages of Agricultural Bank need to be collected according to a certain proportion, as follows:
Liquidated damages for prepayment within 3 years = prepayment amount ×( 1- repayment months /36 )× liquidated damages ratio.
The specific proportion of liquidated damages shall be subject to the provisions of each branch. If the loan is repaid in advance after 3 years, no penalty will be charged.
5. It is suggested that before determining the prepayment, you can call the Agricultural Bank of China to make an appointment to determine whether there will be liquidated damages and the materials that need to be prepared.
Zhicheng Finance-What is the mortgage interest rate of ABC in 2020? Agricultural bank loan interest rate
Agricultural bank loan conditions
It is suggested that you can apply for loans through formal banking channels, such as the "Netjet Loan" of Agricultural Bank of China. The following are the conditions for applying for NetJet loan. I suggest you judge whether you can apply according to your own situation.
1. Basic conditions for applying for NetJet loan:
1. At least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents.
3. Our e-banking customers and holders of security authentication tools issued by our bank. (At present, only second-generation K-Bao customers are supported, and Zhangyin.com Dai Jie can support K-single repayment ...)
4. The credit status is good, and the following bad credit records do not exist in the credit report:
(1) There are no overdue loans and overdue credit card overdrafts when applying for loans;
(2) There is no record of overdue for more than 30 consecutive days in the last 24 months, and the cumulative overdue times are no more than 4 times;
(3) There is no asset disposal, guarantor compensation or bad debts, and there is no record of unpaid taxes, enforcement or administrative punishment that has not been revoked;
(4) There is no state other than "normal" in the five-level classification of loans guaranteed by borrowers.
5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.
6 stable income, with the ability to repay credit on schedule.
7. The purpose of the loan is reasonable and clear.
Two. Special conditions for applying for online loan: In addition to the basic conditions, for different types of customers, the applicant should also meet the following conditions:
1. Mortgage customers: ① The repayment time of the related personal housing loan has exceeded 24 months (inclusive); ② The related real estate is not in the area where the house price falls, the supply exceeds demand or the non-performing rate of personal housing loans of banks is high; (3) If the relevant property is a villa or other large apartment, the borrower shall not be a private owner.
2. Provident fund customers: ① The borrower's credit report contains information on the deposit of provident fund for more than 2 years (inclusive), and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
3. Social security customers: ① The borrower has social insurance deposit information for more than 2 years (inclusive) in the credit report, and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
4. Payroll paying customers: ① The borrower pays more than 1 year in our bank (inclusive); (2) Customers who pay wages on their behalf must meet the access conditions of "paid loans" units; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
5. Debit card customers: ① Debit card transaction records for more than 2 years (inclusive); (2) The annual transaction flow, transaction frequency and other conditions meet the requirements; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
(Answer time: April 25th, 202 1. In case of business changes, please refer to the actual situation. )
What is the loan interest rate of China Agricultural Bank? Users who want to apply for ABC mortgage must understand these situations!
Nowadays, many people will give priority to state-owned banks when applying for loans. Compared with some joint-stock commercial banks, state-owned banks have the advantages of sufficient loan amount, transparent procedures and low loan interest rate. Many friends have asked, what is the loan interest rate of ABC? Users who want to apply for ABC mortgage must understand these situations!
What is the loan interest rate of China Agricultural Bank?
The loan interest rate of 202 1 is: one-year loan interest rate is 3.85%, and five-year loan interest rate is 4.65%. On this basis, the loan interest rate of ABC has risen to a certain extent. The minimum loan interest rate is: 4.35% for one-year loans and 4.7% for three to five-year loans, exceeding 4.9%. The minimum interest rate for provident fund loans is: 2.75% for five years or less and 3.25% for more than five years.
What are the loan terms of ABC?
In 2002 1 year, the basic conditions for users to apply for agricultural bank loans are:1,the applicant 18 years old or above, with full capacity for civil conduct; 2. The applicant has a stable income and the ability to repay the principal and interest of the loan; 3. The applicant has a good reputation and no overdue stains on personal credit information; 4. Meet other conditions stipulated by the Agricultural Bank of China.
China Agricultural Bank 202 1 What is the lending time?
Because it depends on whether the bank still has a loan quota, and the number of users waiting for loans and the policies of local banks will also affect the loan speed, the lending time of ABC's mortgage is uncertain. Under normal circumstances, the commercial loan of a bank is generally about one month. If ABC is slow, 2-3 months is ok, but it still depends on the actual situation.
When approving the mortgage application, ABC will mainly look at the lender's credit information, work income, running water, etc., and judge the lender's repayment ability and credit from the information provided, so it is necessary to maintain good qualifications and credit.
The above is the sharing of "What is the loan interest rate of Agricultural Bank of China?" I hope it will help everyone!
2022 Agricultural Bank's first home loan interest rate
1. ABC's first home loan interest rate: the lowest interest rate 1.05 times (5. 15%), the highest interest rate 1.2 times (5.88%), and the down payment ratio starts from 3.5%; Residential second suite: the lowest interest rate 1.2 times (5.88%), the highest interest rate 1.3 times (6.37%), and the down payment ratio starts from 60%.
2. The bank interest rate will be different due to the time and place of acceptance and the credit status of the applicant.
I. Loan Conditions of Agricultural Bank of China
1. People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (including 1 year) (Hong Kong, Macao and Taiwan residents and foreigners should also designate a local resident with certain economic strength and good reputation as a contact person);
2. The age is between 18 (inclusive) and 60 (inclusive), with full capacity for civil conduct and legal and valid identification;
3. Have a local household registration certificate or a valid identity certificate;
4, credit records, income levels, credit scores in line with the relevant provisions of the Agricultural Bank, with the ability to repay credit on schedule;
5. Being able to pay the down payment for car purchase of not less than the specified proportion, and providing qualified guarantee;
6. Other conditions that meet the requirements of the Agricultural Bank.
Second, overseas development.
1. The Agricultural Bank of China has formulated a medium-and long-term development strategy of "operating locally and globally", formulated overseas development plans, and actively laid out major international financial centers. In the next step, ABC will continue to base itself on China, firmly grasp the internationalization of RMB, corporate customers and financial assets, and lay out international institutions in a focused and step-by-step manner.
2. In addition, ABC has successively become partners with Credit Agricole, Citibank, Hang Seng Bank, Standard Chartered Bank and Bank of Montreal, and cooperated in the fields of international payment of global bill of exchange business and RMB settlement of cross-border trade, thus building a global commodity futures trading team and becoming the mainstream force in this international market; Through five to 10 years' efforts, China Agricultural Bank will be built into an international large-scale commercial bank with branches covering major global financial markets, 24-hour foreign exchange fund operation and global foreign exchange transnational settlement capacity.
Third, banking business.
Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The business scope of Agricultural Bank of China has developed from the initial agricultural credit and settlement business to a complete range, combining local and foreign currencies, which can handle all kinds of financial services prevailing at home and abroad, mainly including: deposit service/comprehensive loan service/foreign exchange financing/RMB financing/overseas financing on behalf of customers/bank card/remittance settlement/safe deposit box rental payment service/overseas financial service/electronic banking service/private banking/financing business/domestic. At the same time, it also provides a variety of corporate banking and retail banking products and services, and conducts self-operated and agency fund business, covering investment banking, fund management, financial leasing, life insurance and other fields.