Is Agricultural Bank of China’s online loan easy to approve?

Agricultural Bank of China’s online loan is the focus of many users. After all, as a loan product of one of the four major state-owned banks, the advantages of online loan are There are a lot of them, and the interest is very low, which is very suitable for office workers who are in a hurry to use money. However, recently, a friend asked whether the Agricultural Bank of China's online loan is easy to approve? Let’s take a look below.

Agricultural Bank of China Online Loan In fact, whether the Agricultural Bank of China Online Loan is easy to get approved, in addition to your own application conditions, you must also consider the bank's loan policy, the country's monetary policy, etc. Generally speaking, if you meet the conditions, have strong repayment ability, and have good personal qualifications, it will be easy to get approved. If you do not meet the conditions, the probability of approval is very low.

In addition, after successfully applying for the Agricultural Bank of China's online credit loan, the online credit loan will be issued in cash. The loan funds can be used for personal consumption and may not be used in investment, financial management, real estate and other fields. At the same time, they are not allowed to be used for other purposes. Uses prohibited by relevant national laws, regulations and credit policies. Therefore, when using Agricultural Bank of China’s online loan, you must pay attention to avoid illegal use of loan recovery. Is it easy to apply for a rural revitalization loan from the Agricultural Bank of China?

It is easy to apply. Rural revitalization loans from the Agricultural Bank of China are easy to apply for. Huinong e-loans are easy to apply to farmers who meet the conditions. The audience of Huinong e-loans are mainly farmers. If all personal conditions are met, it is not difficult to get the Huinong e-loans. . Are Agricultural Bank of China loans good loans?

It is recommended that you choose formal banking channels to apply for a loan, such as Agricultural Bank of China’s “NetJie Loan”. The following are the application conditions for Netjet Loan. It is recommended that you judge whether you can apply based on your own situation.

1. Basic requirements for Wangjie Loan application:

1. Be 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct .

2. Hold legal and valid identity documents.

3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently, only second-generation K treasure customers are supported. Palm Bank Online Loan repayment can support K orders.)

4. The credit status is good and the following bad credit records do not exist in the credit report:

(1) There are no overdue loans and overdue credit card overdrafts when applying for a loan;

(2) There are no overdue records for more than 30 consecutive days in the last 24 months, and the cumulative number of overdues does not exceed 4 times ;

(3) There are no asset disposals, guarantor compensation or bad debts, and there are no records of tax arrears, enforcement records or administrative penalties that have not been revoked;

(4 ) There is no status other than "normal" in the five-level classification of loans guaranteed by the borrower.

5. There is no unexpired "NetJie Dai" loan limit, and there is no unsettled "NetJie Dai" loan balance.

6. Stable income and the ability to repay credit on schedule.

7. The purpose of the loan is reasonable and clear.

2. Special conditions for online loan application: In addition to the basic conditions, applicants should also meet the following conditions for different types of customers:

1. Home loan customers: ①Associated The personal housing loan has been repaid for more than 24 months (inclusive); ② The associated property is not in an area where housing prices are falling, supply exceeds demand, or our bank’s personal housing loan non-performing rate is high; ③ The associated property is a large apartment such as a villa , the borrower should be someone other than a private owner.

2. Provident fund customers: ① In the borrower’s credit report, the provident fund payment information is available for more than 2 years (inclusive), and the latest update date is within 6 months; ② In the borrower’s credit report, There is no personal operating loan balance in our bank or other banks.

3. Social security customers: ① In the borrower’s credit report, they have social insurance payment information for more than 2 years (inclusive), and the latest update date is within 6 months; ② In the borrower’s credit report , there is no personal operating loan balance in our bank or other banks.

4. Salary payment agency customers: ① The borrower’s salary payment period in our bank exceeds 1 year (inclusive); ② Salary payment agency customers must meet the admission conditions of the “salary loan” unit; ③ Borrowing In the personal credit report, there is no personal operating loan balance in our bank or other banks.

5. Debit card customers: ① Debit card transaction records for more than 2 years (inclusive); ② Annual transaction flow, transaction frequency and other conditions meet the regulations; ③ In the borrower’s credit report, in our There is no personal operating loan balance in the bank or other banks.

(Answer time: April 25, 2021. In case of business changes, please refer to the actual situation.) Is it easy to get a loan from Agricultural Bank of China?

Hello, apply for a mortgage at Agricultural Bank of China It's not difficult to say, as long as you meet the corresponding loan requirements, the bank will naturally approve it. Loans are also a way for banks to generate revenue, and many small institutions are rushing to do it. As long as there are no violations, there is no problem in applying for a mortgage.

1. Conditions for applying for a mortgage

It is recommended that before applying for a mortgage, you should check whether you meet the relevant conditions. If you find any serious discrepancies, there is no need to apply. Basically, was dismissed. There are six general conditions, namely having a permanent urban residence and valid residence status, having stable income and good credit, having down payment funds of more than 20% of the total purchase price, having assets recognized by the bank as collateral or a legal guarantor, Have a house purchase contract or agreement that meets bank requirements and other conditions. It will be easy to apply if you meet the conditions. If you do not meet some conditions, it depends on how the bank judges it.

2. Conditional Analysis

Although the content looks complicated, it is actually very simple. The first two requirements of identity and income are basic requirements and can be met by most people; the third one is more difficult. According to legal requirements, the down payment must be from own funds. Young people can only seek help from their parents and remember not to use loans; fourth If Xiang has no asset mortgage, he can find a company to guarantee it. Under normal circumstances, as long as he has a good relationship with his boss, he can get the seal. Or you can use your original residence as a mortgage, all of these are acceptable; items 5 and 6 are basic conditions, and you just need to follow the process. In other words, normal people (with normal income and credit) who want to apply for a loan must have a certain amount of their own funds.

3. Basic loan types

There are four types of loans from Agricultural Bank of China, namely housing, consumption, entrepreneurship, and characteristics, which roughly refer to four different directions. When taking out a loan, some people may consider refinancing, such as converting a business into a mortgage. This method can indeed save a certain amount of interest, but the consequences are also difficult to estimate. Loans are now reviewed every year. Once violations are found, the bank may take measures to "extract loans", and then the entire life will be affected.