Application conditions:
1. At least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents.
3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported)
4. Good credit status.
5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.
6 stable income, with the ability to repay credit on schedule.
7. The loan is used reasonably, and the loan amount applied by NetJet is clearly 3,000-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
General loan rules:
According to the description in the General Principles of Loans, a credit loan refers to a loan that is not guaranteed and is only issued according to the credit status of the borrower. When granting credit loans, lenders must strictly examine and evaluate borrowers to confirm their credit status and repayment ability.
The original "General Principles of Loans" even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.
Loan project:
China Development Bank is a government development financial institution and a national policy bank. Its loans are mainly invested in major projects such as infrastructure, basic industries, pillar industries and high-tech industries. As early as 2000, the National Development Bank issued a loan of 654.38+75 million yuan for the construction of drainage systems in Jingsha Avenue and the ancient city. In 2003, China Development Bank agreed to provide loans of 654.38+500 million yuan to our city to support its industrial development and accelerate the construction of new industrial zones and urban infrastructure. The nature of the loan is government credit loan.
There are essential differences between government credit loans and traditional commercial loans. Government credit loans do not need to be evaluated by banks one by one, nor do enterprises need to provide specific material guarantees. Instead, local governments are evaluated as a special kind of customers, including credit rating, credit development evaluation, risk limit, government credit limit and so on. Compared with commercial bank loans, development bank loans have a long term, the government can make overall arrangements for funds for a long time, the repayment pressure is small, and the loan procedures are simpler than those of commercial bank loans.
How much can the Agricultural Bank credit loan borrow?
The loan amount of ABC's personal credit depends on the value of your collateral. The current standard is that the mortgage rate of non-first suites does not exceed 60%, and only the mortgage rate of houses does not exceed 50%.
That is to say, if the mortgaged house is worth 6,543,800+0,000, if it is your only house, it will be at most 500,000, otherwise it will be at most 600,000.
Extended data:
In terms of loan application conditions, wage loans and comprehensive credit loans are different. The loan application conditions for wage loans are more complicated, and comprehensive credit loans are relatively simple.
"Paid loan" personal credit
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.
"comprehensive credit" personal credit
1, 18-65 years old, in good health, with China nationality, valid identification and full capacity for civil conduct.
2. Have a permanent residence in the local area.
3. Personal legal assets with stable occupation, stable legal income or full repayment of loan principal and interest.
4. Good credit record, no gambling, drug abuse and other bad habits.
5. Open a personal account in the Agricultural Bank, and be willing to accept the credit and settlement supervision of the Agricultural Bank.
Generally speaking, ABC's personal credit loan has a large loan amount and a long term. Among them, wage-based loans have more application conditions and higher application threshold, while comprehensive credit loans are more widely used, not only for personal consumption, but also for production and operation.