China Agricultural Bank Personal Microfinance Application Conditions
1. Personal loan has been handled in Agricultural Bank;
2. The signed debit card is the loan account agreed in the personal loan contract and is in a normal state;
3. All loans associated with the signed debit card have no overdue loan principal and interest;
4. Other conditions stipulated by the Agricultural Bank.
In addition to the above conditions, consumers should also meet the following conditions:
Application conditions
1. Unsettled mortgage that has been repaid on time for 2 years or more (both first-hand houses and second-hand houses refer to ordinary commercial houses);
2. If the relevant property is a large apartment such as a villa, the borrower should be an enterprise other than the private owner;
3. Good credit record;
4. If you are a provident fund customer, you must meet the following conditions to apply for "Netjet Loan": you have the provident fund deposit information for more than 2 years (inclusive) and the update date is within 6 months;
5. There is no personal operating loan balance in ABC or other banks.
If the applicant meets the application conditions of China Agricultural Bank for personal microfinance or above, you can prepare the following materials to apply:
1. Legal and valid identification of the borrower;
2. Contracts and related agreements, such as personal guarantee loan contract or maximum guarantee personal loan contract;
3. Debit card as the loan account of personal loan contract;
4. Other information required by the Agricultural Bank.
Interest rate of personal micro-loan of Agricultural Bank of China
Generally speaking, the personal microfinance interest rate of ABC is 6%, and the lowest is that the benchmark interest rate rises 10%. Loan 1-60 months, loan amount1-300,000. The loan term is 1 year, and the repayment method is one-time repayment when the loan expires.
The borrower shall go through the following steps to handle the personal micro-loan of Agricultural Bank of China:
First of all, the borrower should know the loan requirements and procedures from the loan bank;
Second, prepare the materials needed for the loan according to the requirements of the loan bank;
Third, apply to the loan bank and submit the formalities required for the loan;
Fourth, the bank accepts the application and approves the loan information submitted by the borrower;
Fifth, after examination and approval, the two sides signed a loan contract;
Sixth, banks issue loans;
Seventh, the borrower repays in full and on time.
Through the above introduction, everyone has a detailed understanding of the application conditions, preparation materials, interest rates and handling steps of the Agricultural Bank's personal microfinance. In addition, ABC's personal micro-loan products include Netjet, pay-as-you-go and home improvement loans. You can choose according to your own needs.