1. What procedures and conditions are required for an Agricultural Bank of China credit loan?

Users need to apply for Agricultural Bank of China credit

1. The lender must have previously applied for a personal housing loan from Agricultural Bank of China or paid provident fund.

2. The user's economic level must be stable, have a stable income, have a good personal credit record, and must not have a bad credit record.

3. Users must have legal and reasonable loan purposes.

4. Lenders must agree to the regulations of the Agricultural Bank of China

Credit card loans refer to the limit set by the bank based on the credit card holder, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment. The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs for installment purchases of designated brand cars at designated dealers. Cardholders are only responsible for repaying the car purchase, fully easing the repayment model. Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you need to bear the one-time amount Rates are different.

Loan term: The maximum term for installment car purchases is generally 24 months. Down payment: If you use credit, you need to pay a down payment of no less than RMB 30 of the car price. Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, the price of CCB is 20,000-200. 0 car is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 20,000-200,000; there are three types of credit: monthly and 36 months; banks only charge handling fees, and the handling rates for different installments are different. Credit card loans for car purchases include zero interest in installments, preferential handling fees, no guarantees, and no mortgage. You also enjoy credit card points rewards, without the burden of high loan interest, and you are also exempted from the tedious mortgage procedures. You can apply for specialized credit by providing some materials to the bank. That’s it. The disadvantage is that you can choose any car model. One of the shopping mall installment services, that is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several installments (months) such as 3, 6, 12 or 24 installments. Pay. Repay the amount on time according to the credit card bill in each period (month).

2. What are the application conditions for Agricultural Bank of China’s credit loans?

The loan amount of Agricultural Bank of China’s personal credit depends on the value of your collateral. The current standard is that the mortgage rate for non-first-time homeowners should not exceed 60. The only housing mortgage rate does not exceed 50. That is to say, if the value of your mortgaged house is 1 million, if it is your only home, the maximum value is 500,000 yuan, otherwise the maximum value is 600,000 yuan.

Personal loans, also known as retail loans, have become an important loan business after decades of development. Personal loans refer to principals and loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation, etc. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its collateral or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.

3. What are the conditions for an Agricultural Bank of China credit loan?

To apply for a credit loan at the Agricultural Bank of China, you need to meet the following requirements:

1. You should be between 18 and 65 years old, have full capacity for civil conduct, and open a loan with the Agricultural Bank of China. Set up an account.

2. Have sufficient repayment ability and provide proof of repayment ability. The personal monthly income should be more than twice the monthly payment amount, and provide salary certificates, bank statements, asset certificates and other materials.

3. The borrower must have a good credit standing in the credit record and also have a good willingness to repay the loan.