Agricultural Bank of China is one of the four largest banks in China, with many loan products. In addition to special services for agriculture, rural areas and farmers, there are also many special business departments in personal and enterprise services. Let's put these loan products together, let you know first, and choose the product that suits you best.
What are the loan products of China Agricultural Bank?
I. Personal loan products of Agricultural Bank of China
Personal loan products-good family loan series
Agricultural Bank loan products include: individual first-hand housing loans, individual second-hand housing loans, individual housing and provident fund portfolio loans, individual housing revolving loans, individual housing replacement loans, individual housing direct loans, individual housing non-trading mortgage loans, individual housing relay loans, and individual housing loan "repayment holiday plan".
Personal loan products-quality consumer loan series
Agricultural Bank's loan products include: salary loans, personal car loans, national student loans, consumer insurance loans (that is, personal consumer insurance loans), study abroad loans, business student loans, and home improvement loans.
Personal loan products-good start-up loan series
Agricultural Bank's loan products include: personal business loans, personal first-hand commercial housing loans, personal second-hand commercial housing loans, and Wangpu loans.
Personal loan products-special loan series
The characteristic loan series products of ABC's loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, cajie loan, deposit-loan link, second-hand housing transaction fund custody, personal self-help revolving loan, personal wealth management products, balloon loan (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum) and individuals.
Second, the Agricultural Bank of China company loan products
Financing and financing: fixed assets loans, working capital loans, revolving credit lines, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantee commitments, and entrusted joint loans.
Small and micro enterprise services: simple loans (simple and quick credit business for small enterprises), smart loans (self-service revolving loans for small enterprises), account loans (pledge financing business for accounts receivable of small enterprises), factory mortgages (mortgage loans for industrial buildings of small and micro enterprises), and loan financing services of some local companies, such as multi-household joint guarantee for small enterprises (Henan Branch), intellectual property rights (Guangdong Branch) and Jinketong (Jiangsu Branch).
Three. Agricultural Bank of China's Three Rural Loan Products
Personal products of agriculture, rural areas and farmers: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers and farmers in earthquake-stricken areas, and personal production and operation loans in rural areas.
Agricultural products: financial services of special products benefiting farmers, including credit insurance business of agricultural industrialization cluster customers, seasonal purchase loans, loans for the construction of county commodity circulation markets, loans for commercial reserves in off-season of chemical fertilizers, loans for rural urbanization, loans for rural infrastructure construction, loans for working capital of farmers' professional cooperatives (Fujian Branch) and mortgage loans for forest resources assets (Fujian Branch). General financial services include revolving credit lines and working capital loans.
The above is a summary of the loan business of ABC. I believe everyone has a certain understanding of ABC's loan products! For more details, please consult the local Agricultural Bank outlets.
Can ABC credit card be used for loan?
Question 1: Can the credit card of ABC be used for loans? You can apply at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place; 3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 2: Hello, can I borrow money with Agricultural Bank credit card? Of course. Generally speaking, it is easy for a "credit card to apply for a card" to pass the examination and approval of the bank, but the applicant also needs to meet the following conditions:
1. The applicant must hold a credit card from another bank.
2. The credit card limit held by the applicant is at least 5000 yuan. Because the credit limit is small, the bank will think that the cardholder has poor credit or limited repayment ability.
3. The applicant has no bad credit record, that is, there is no overdue repayment.
In addition, if you want to apply for a large credit card, you'd better submit some other valid financial proof materials when applying for a credit card.
Question 3: How does Agricultural Bank use credit card loans? The bank's credit card business and loan business are two different businesses. If you need 654.38+00000 yuan and the credit line is 654.38+00000 yuan, you can spend it directly by credit card. If the credit line is not enough, you can make mortgage loans and personal consumption loans, which should be handled by the bank's personal loan department.
For specific procedures, please call the customer service telephone number of China Agricultural Bank directly at 95599.
Question 4: Can I get a credit card from ABC? Yes, the credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption.
Question 5: Can I get a loan with ABC credit card? Hello!
You can't get a loan just by credit card.
Information required for loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Please note:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;
5. Customers blacklisted in the credit information system cannot apply for loans;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
It usually takes about 1 month to get a loan.
Process:
1. Apply for a loan from the bank,
2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;
3. Open a personal current deposit account and sign a loan contract.
4. Apply for real estate mortgage registration;
5. Bank loans.
Question 6: Can ABC credit cards be used for loans? Yes, you can also bind WeChat, and through micro-loan loans, you can also bind Alipay. There are several loan functions for you to use.
Question 7: Can ABC credit cards be used for loans? Can ABC credit card be used for loan? 1. Credit cards can only be used for consumption, not loans.
2. Huaxia Bank has the service of eJintong. You can try. If the application is successful, the money will be directly transferred to your bank card. Similar to a loan.
Question 8: Can ABC apply for a loan with a credit card? You can't apply for a loan directly by credit card. Credit card usage records will affect the approval of loans. A good credit record is conducive to loans. Agricultural banks in different regions have different requirements for loans, depending on the application conditions of local banks.
Conditions for applying for loan business:
Natural person with age 18-60;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information and no bad records;
Other conditions stipulated by the bank.
Materials to be prepared for the loan:
Identity cards of both husband and wife of the borrower;
The borrower's household registration book/foreigner needs temporary residence permit and household registration book;
Marriage certificate/divorce certificate or judgment/single certificate;
Proof of income;
Academic certificate;
Bank flowing water;
Other attributes;
Copy of the business license of the unit (with official seal);
Large deposit certificates, etc. ;
If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;
Other information required by the bank.
The process of handling bank loans:
The borrower applies for a loan;
Prepare loan related materials;
Account manager loan survey;
Bank approval;
Both parties sign a loan contract;
The execution of mortgage, pledge, unsecured contract or other guarantee contract;
Bank loans;
Post-loan management;
Repay the principal and interest when the loan is due.
Question 9: How many credit cards can China Agricultural Bank borrow? The RMB loans granted by the Agricultural Bank of China to high-quality customers with good personal credit take personal stable wage income as repayment guarantee to meet consumer demand. The loan object is/kloc-a natural person over 0/8 years old but under 60 years old, with China nationality and full capacity for civil conduct. To apply for a "paid loan" from China Agricultural Bank, the following conditions are required:
1, at least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct;
2. Holding 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 bank;
4. The credit score is above 490 points (inclusive);
5. Stable income and the ability to repay loans on schedule;
6. Personal credit application is reasonable and clear;
7. Open a personal settlement account in the Agricultural Bank.
China Agricultural Bank's "paid loan" processing flow is as follows:
1. Customers apply for loans and submit relevant materials;
2. The bank conducts investigation, examination and approval;
3. The bank signs a loan contract with the borrower;
4. One-time loan issuance; 5. The borrower repays the loan principal and interest in accordance with the agreed repayment method.
Question 10: For the first time, you can apply for a credit card loan with a maximum amount of 10. The credit limit is within the credit card limit.
After the application is successful, the bank will directly remit the money to our domestic bank savings settlement account provided by you, and directly withdraw it for use. Then use your own credit card to repay the loan in installments, and you need to pay a certain handling fee, which is equivalent to an extra installment on the credit card.
How to use the credit card loan of ABC?
It is recommended to apply for loans through formal channels:
The definition of ABC's online fast loan refers to a small consumer loan issued by ABC in cash to individual ABC customers who meet certain conditions. Customers apply for it themselves, receive it quickly, automatically approve it, and use the letter by themselves.
Application conditions:
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. (Currently only second-generation KBao customers are supported).
4. Good credit status.
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 the loan amount for applying for NetJet loan is clearly 3,000-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Extended data:
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.
Loan Term: Generally, the longest term of car purchase by installment is 24 months.
Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.
Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.