Loan applicants and guarantors should bring their ID cards and personal seals to the bank, explain their purpose and fill out various forms in triplicate. Finally, the applicant and the guarantor can sign and seal in the appropriate position. The loan will be paid to the applicant's account within 7 working days.
Borrowers applying for personal loans from Agricultural Bank of China shall meet the following basic conditions:
(a) age 18 years old (inclusive) and under 60 years old (inclusive), with full capacity for civil conduct, with a fixed residence in the local area and legal and valid identity documents;
(2) Having legal and valid production and business operation certificates, and engaging in special industries shall hold a business license for special industries issued by the competent examination and approval department;
(3) The purpose of the loan is clear and legal;
(4) Have management experience in this industry and have been engaged in this industry for more than 2 years, and have certain management capabilities; Production and operation are in line with national policies, products or services have strong market competitiveness or growth, and sales returns are good;
(5) It has stable operating income and the ability to repay the loan principal and interest on schedule, and the first repayment source is sufficient;
(six) the secured loan shall provide legal, effective and sufficient guarantee;
(7) The borrower and spouse meet the credit record conditions stipulated in the Basic Rules for Personal Loans, and the borrower's business entity meets the credit record conditions for enterprise credit;
(8) Opening a settlement account in China Agricultural Bank, willing to accept the credit supervision and settlement supervision of China Agricultural Bank, and promising that the settlement funds generated by our loan support will be settled through our bank; The borrower's business entity wants to open a basic account or general settlement account in China Agricultural Bank. If the borrower is a small business owner, the bank must promise to open a basic account in the bank after approving the personal business loan;
(9) The borrower's business entity has no low-risk credit business relationship with the Bank at present;
(10) Other conditions stipulated by the lending bank. The loan amount is 50,000-6,543,800,000 yuan, and the pledge method is not limited by the amount; The term including credit and guarantee shall not exceed 2 years at the longest, and the maturity date of credit loans shall not exceed the maturity date of related mortgage loans within the approved credit line; The term of full mortgage loan shall not exceed 5 years.