Two, the Agricultural Bank of China to apply for wage loans:

1, at least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct;

2. There are 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 Agricultural Bank;

4. Credit score, working years and after-tax annual income meet the standards set by the Agricultural Bank;

5. Stable income and the ability to repay loans on schedule;

6. The purpose of the loan is reasonable and clear;

7. Open a personal settlement account in the Agricultural Bank;

8. Other conditions stipulated by the lending bank.

Loan amount: up to 2 million yuan.

Loan interest rate and term: the longest term is 5 years. The interest rate shall be subject to the relevant provisions of the Head Office on interest rate pricing.

Repayment method:

If the loan term is within one year (inclusive), you can choose various repayment methods provided by the accounting system.

If the loan term is more than one year, you can choose the average capital method to repay the principal and interest in equal monthly (quarterly) installments.

Handling process: loan application → loan investigation → loan review → loan approval → contract signing → credit review → loan issuance → loan recovery.