Now many people will buy a house and a car. At this time, if they don't have enough funds, they will choose to go to the bank for loans, which can solve this problem well. Of course, if you want to apply for a loan, there are many requirements for the applicant and many application processes. But many people don't understand it clearly, and they feel very troublesome when they go to handle it. In fact, before handling the loan, it is best to go to the bank for consultation in advance. So what is the procedure of ABC loan? What is the loan application process of Agricultural Bank of China?
What are the loan application conditions of Agricultural Bank of China?
Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. There is no bad record on the national credit record;
5. Other conditions stipulated by the bank.
What are the procedures for agricultural bank loans?
Customers choose formal banking channels to apply for loans, such as ABC's "Netjet Loan". Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions, with self-application, quick receipt and self-credit. Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows:
(1) The borrower logs into the online channels (personal online banking and pocket banking) designated by Agricultural Bank of China, and enters the "Netquick Loan" application interface.
(2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) The system verifies the validity of the mobile phone number.
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application. The maximum loan amount is 300,000 yuan and the minimum is 3,000 yuan; The specific amount of the customer will be approved according to the customer's business situation in ABC.
Can you understand after reading it? In fact, there are many conditions for applying, and you must meet them. And you don't need a steady income to repay the loan in time. At the same time, you must ensure that you have a good reputation, and you can apply if you meet the conditions. Of course, there are many processes to pay attention to when handling loans, and there are many related procedures that must be handled well, so that the application can be successful.
2. What is the minimum loan amount of China Agricultural Bank?
The starting point of a single household credit line for farmers is 3,000 yuan, and the maximum is not more than 50,000 yuan, including 50,000 yuan. The recipients of China Agricultural Bank's farmers' loans must meet the following conditions: (1) have China nationality and are over 18 years old (including 18 years old), and the sum of age and loan years when applying for loans is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents. (2) Have the ability to repay the loan principal and interest on schedule. (3) The production and business operation activities conform to the national laws, regulations and industrial policies. (4) Other conditions stipulated by the bank.
3. What is the minimum loan amount of China Agricultural Bank?
Rmb loan interest rate
Project annual interest rate
I. Short-term loans
Within six months (including six months) 5.60
Six months to one year (including one year) 6.00
Second, medium and long-term loans
One to three years (including three years) 6. 15
Three to five years (including five years) 6.40
More than five years 6.55
Three, the discount is determined by the discount rate as the lower limit.
Four, personal housing provident fund loans
Five years (inclusive) below 4.00
More than five years 4.50
Verb (abbreviation of verb) Civil Affairs Department Welfare Factory Loan 4.62
Intransitive verb The poor and youth develop economic loans 3. 18
Vii. Loans for ethnic trade and ethnic commodity production 3. 12
Eight, poverty alleviation discount loans (including pastoral areas) 3.00
The annual interest rate of commercial loans for more than five years will rise
4. What is the minimum time deposit of China Agricultural Bank? If my money is not due, can I renew it? How much can it last at least? How many times can you persist in a year?
First, the Agricultural Bank of China can deposit at least 50 yuan's time deposits.
Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit.
Second, if it doesn't expire, you can't renew the money, just deposit it in installments.
The term of time deposit is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.