What are the procedures for agricultural bank loans?

1. What are the procedures for agricultural bank loans?

The procedures for handling loans are generally divided into three steps:

The customer submits basic information, including work unit and contact telephone number.

The lending bank or company checks the customer's credit information, including whether there is any illegal record of the customer's credit rating. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

To apply for a bank loan, you need to prepare materials:

Valid identity documents;

Proof of permanent residence or valid residence, proof of fixed residence;

Proof of marital status;

Bank flowing water;

Proof of income or personal assets;

Credit report;

Use plan or loan use statement;

Other information required by the bank.

2. What are the procedures for Henan agricultural loan?

The loan must have the following items: 1, and identification materials: ID card, passport, military officer's card, etc. 2, household registration book, 3, marriage certificate, divorce certificate, etc. 4. Proof of income. 5. Other materials required by the loan bank: mortgage needs to be filed, contract, etc.

3. Henan Wuzhi Agricultural Bank has gone through the formalities of buying a house loan, and does not lend money. What should I do?

Apply for a house purchase loan at the Agricultural Bank of China, and then issue the loan at the end of the loan approval.

Bank loan process

1. Customer application, fill in the application form in writing and submit relevant materials at the same time. It should be noted here that, in addition to applying for rural loans, other types of loans must provide relevant information. Mainly includes: the basic information of the borrower and the guarantor. The rectification of the original unreasonable loan has the certificate and voucher that the disposer agrees to mortgage and pledge. Other relevant information, etc.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. As the case may be, handle relevant notarization,

3. issue loans. If a loan is obtained, it will be directly transferred to the borrower's counterparty or issued to the lender after all the formalities are completed.

4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.

5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. During the loan period, the repayment date can be extended by 10 natural days on the basis of the agreed repayment date. If the loan is to be extended before the maturity date, the borrower needs to apply to the bank for loan extension, and it is up to the bank to decide whether to extend the loan.

1. How long will it take to approve the mortgage?

According to the general market situation, there will be some differences, but it takes 48 hours from the formal application of the bank to the registration of the loan after the last batch is approved. You can directly contact the handling outlets or loan account managers to confirm the loan time, approval status, processing progress and cancellation of each customer.

Second, the bank loan process

1. Submit personal loan application first;

2. After bank acceptance-evaluate the mortgaged property;

3. Review the loan;

4. After the approval, go to the law firm to handle the loan and mortgage formalities and sign;

5. Bank loans.

To sum up, the approval speed in the preceding paragraph depends on the approval procedures of major banks. After all, the process of each bank is different. Generally speaking, applicants need to fill out and submit a bank loan application before the bank will accept it. Real estate appraisal, will review loans, sign loan contracts, and handle mortgage procedures. Well, follow the steps.

Fourth, how to apply for a loan to benefit farmers?

Answer: 1. He is over 18 years old (including 18 years old), and the sum of his age at the time of applying for a loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.

2. According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating result is medium or above;

3 should have a stable income and the ability to repay the principal and interest of the loan on schedule;

4 engaged in production and business activities, in line with national laws and regulations and industrial policies;

5. Good conduct and no overdue loans when applying for loans;

6. Meet other conditions stipulated by the lending institution.

1, open' Agriculture app'.

2. Log in to ABC APP.

3. Click "Loan" on the home page.

4. A page will pop up and click "I want a loan". "

5. Select "Huinong Electronic Loan" from the pop-up loans and new products, and click.

6. Click "Submit Application" in the pop-up page.

7. Summary:

8. 1. Open the Agricultural Application.