Agricultural Bank of China can provide loan services for fresh graduates.

Banks need to consult the local labor department when handling college students' entrepreneurial loans. Cooperative banks in different regions are different. Some cooperative banks are Agricultural Bank of China, and some are other banks.

China Agricultural Bank's loan conditions for college students.

1. The applicant is between 18 and 65 years old, has full capacity for civil conduct and has a stable residence.

2. The applicant's personal credit is good, and the applicant and his family have repayment ability.

3. The applicant holds a valid identity document.

4. The Agricultural Bank recognizes the guarantee method provided by the applicant.

5. The applicant agrees to other conditions required by the Agricultural Bank.

After college graduates' housing loans are issued, lenders can issue bank cards to borrowers to handle comprehensive financial services such as deposit, loan, consumption, collection and payment, which is conducive to promoting the development of intermediary business of ABC and fully tapping the value-added benefits of personal housing loans.

In order to prevent risks, ABC will strengthen the investigation on the borrower's conduct, self-motivation and work performance in the pre-lending investigation, and investigate the development prospects of the borrower's industry; Follow-up surveys will be conducted regularly after the loan.

Types of agricultural bank loans

1, personal first-hand housing loan

Personal first-hand housing loan refers to the loan issued when buying the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals).

2, individual housing and provident fund portfolio loans

Personal housing provident fund portfolio loan refers to the portfolio loan issued by the housing provident fund center and the bank to the same house purchased by the same borrower.

3. Individual housing revolving loan

Revolving loan for individual housing refers to a personal loan that can be recycled within the agreed period (the validity period of the loan) by a natural person who applies for individual housing loans in the Agricultural Bank of China or other financial institutions, with the maximum mortgage set for the housing purchased by the loan.

4. Personal housing non-transaction mortgage loan

Non-transactional mortgage loan for individual housing refers to the loan issued to the borrower to replace the individual housing loan obtained in other financial institutions and set mortgage on the housing purchased by the loan.

5. Netjet loan

Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions by way of credit. Customers apply for it by themselves, automatically approve it, and use the letter by themselves.

6. Paid loans

Pay-as-you-go loans refer to RMB loans issued by Agricultural Bank of China to individual high-quality customers with good credit, with personal stable wage income as repayment guarantee to meet consumer demand.

7. Personal car loan

Personal car loans are loans granted by Agricultural Bank of China to individual customers to buy cars, including personal car loans and personal commercial vehicle loans.

8. National student loans

The national student loan refers to the RMB loan business provided by Agricultural Bank of China to full-time undergraduates, junior college students (including higher vocational students), graduate students and students studying for the second bachelor's degree to pay tuition, accommodation and basic living expenses.