2. A good credit record is an important basis for measuring customers' repayment ability and willingness.
3. A stable source of income is the guarantee that customers can repay on time.
4. Good conduct and no civil or criminal violations.
5. Meet other conditions stipulated by the bank.
Advantages of Huinong e-loan:
1. Low loan interest rate: generally, the interbank market interest rate pricing (LPR) of the People's Bank of China is implemented. For example, the implementation interest rate in June was 3.95%.
2. Flexible way: loan application and signing can be handled through online and offline channels; After signing the contract, you can apply for loans through various channels, such as Agricultural Bank outlets, self-service equipment, Huinong payment service points, inclusive finance service stations, online banking, mobile banking and so on.
3. Loan amount: The maximum loan amount for a single household can reach 300,000 yuan.
4. Loan term: The longest loan term can be 3 years.
5. Flexible payment methods: Payment methods include recovery, loan-back, installment payment and lump-sum payment.
Introduction of Farmers' Loan with Huinong E Loan
Huinong e-loan agricultural loan refers to the farmer loan that China Agricultural Bank uses the Internet and big data technology to collect internal and external data in batches, establish a credit model, realize automatic system approval, and enable farmers to use credit quickly. Huinong e-loan agricultural loan is an online financing product for farmers under the Agricultural Bank of China's "three rural" Internet financing brand "Huinong e-loan".
Use of agricultural e-loan: In principle, it can only be used for production and operation purposes, and the convenient loan model of agricultural e-loan can also be used for consumption purposes. It shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.
The loan process of Huinong e-loan farmers includes loan application acceptance → automatic system approval → contract signing → credit utilization → post-loan management. Borrowers can apply for loans through offline outlets or online self-service channels. If you have not opened an account in the Agricultural Bank, you should apply for the first time through the outlets.
(1) offline channel.
1. When the borrower applies for agricultural loan with Huinong e-loan at the outlet, the account manager should first verify the customer's identity through online verification and be responsible for the authenticity of your identity.
2. The borrower fills in the Application Form for Farmers' Loan of Huinong E Loan of Agricultural Bank of China, and authorizes the inquiry of credit information.
3. The account manager shall review the loan application form and be responsible for the standardization, completeness and rationality of the information filled in by the borrower. The account manager should have a detailed understanding of the borrower's production and operation, family daily expenses, private lending and so on. Interview with the borrower and verify the income, liabilities and other information filled in by the borrower to ensure that the relevant information conforms to the actual situation of farmers.
4. The account manager enters the loan application information on the loan acceptance page of E-loan benefiting farmers in C3 system and submits it to C3 system.
(2) Online channels.
1. The borrower logs into the bank's self-service channels such as personal online banking and pocket banking, and enters the agricultural loan application page of Huinong e-loan.
2. The borrower reads the product information, loan conditions and business processes of Huinong e-loan farmers.
3. The borrower fills in the loan application information, signs the Letter of Authorization for Personal Credit Information Business, and submits the loan application to our bank.