Personal loans of Agricultural Bank of China include personal consumption loans, white-collar loans, housing loans, car loans and so on. There are many loan projects. Today, Bian Xiao will introduce them to you. I hope that friends who have questions can have a clearer understanding.

Want to know how to apply for a personal loan, first of all, we should be clear, the conditions and information required for loan application, generally speaking, have the following requirements:

First, China Agricultural Bank personal consumption loan application conditions:

1, the longest room age is not more than 20 years; 2. The area is at least 75 square meters; 3. The valuation is at least 6.5438+0 million; 4. Collateral belongs to local loans; 5. The type of collateral is ordinary residence.

Materials required:

1, ID card, household registration book and marriage certificate of the borrower and spouse; 2. Mortgaged property right certificate, ID card, household registration book and marriage certificate of the obligee and owner (including spouse) listed in the property right certificate; 3. Personal bank flow in the past six months; 4. Documents proving the purpose of the loan; 5. Proof of loan use.

Two, the Agricultural Bank of China housing loan application conditions:

1. Collateral type: ordinary residence, commercial and residential building; 2. The area where the collateral is located is Shenzhen, where the loan is located; 3. Valuation requirements: the loan period is at least 500,000 yuan; 4. An employer with a fixed residence or a stable work unit, whose clients are no more than 60 years old, has repayment ability and a good credit record.

The required materials mainly include: ID card, marriage certificate, original and photocopy of household registration book; Personal bank accounts for the past six months. Or the assets certification materials, bank statements and tax bills of enterprises owned or controlled by you; Original certificate of ownership of collateral; Other financial proof materials you can provide, such as stocks, time deposits, wealth management products, insurance policies, cars, etc.

Finally, the application process is the same, which mainly includes: the borrower applies for a loan-bank audit-investigating the borrower's background-signing the contract after the audit-the borrower collects money-repaying the loan. Please remember the application process!

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