If you want to apply for a loan at the Agricultural Bank of China, the loan bank will ask you to provide relevant materials for your application according to your loan purpose, and the loan bank will examine and approve it. It is especially recommended that you contact the staff of the loan department of the local Agricultural Bank. You can convert your 300,000 yuan deposit into a time deposit certificate, and then use this deposit certificate as a pledge loan. Under normal circumstances, it can be loaned to 90%, which means it can be loaned to 270,000. So the bank can get your deposit and you can get the money. Win-win! Please consult your ABC card issuing bank for details.

The bank's loan interest rate is as follows:

Loans within six months (including six months) 4.85%

Loans from six months to one year (including 1 year) 4.85%

One to three years (including three years) loan 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%.

Bank certificates of deposit can be used to mortgage loans, and the interest rate is basically 9%, because the interest rate is basically around 6% after deducting your deposits.

The annual fixed interest rate is 4.85%, generally 90%, and the floating annual interest rate is 9.2 15%, except that the interest in 65438+February is 7.6%.

Personal Pledged Loan Pledged loan refers to the loan business in which the borrower applies for a loan from the bank and is willing to apply for a RMB loan from the bank with its unexpired time deposit certificate, foreign currency deposit certificate or certificate-based national debt as collateral, and the borrower repays the principal and interest when due.

I. Term of the loan

The term of personal pledge loan shall not exceed the maturity date of pledge deposit certificate, and the longest term shall not exceed one year. If multiple personal certificates of deposit are pledged, the loan term shall be the time closest to the maturity date. The automatic deposit certificate is determined according to the length of the automatic deposit period. Personal regular pledge loan.

Second, the loan amount

The starting point of personal pledge loan amount is RMB 1000 yuan; The loan pledge rate shall not exceed 90% of the denomination of the pledged certificate of deposit (foreign currency deposits shall be calculated by converting them into RMB according to the buying price of foreign exchange (paper money) announced on the same day).