What are the conditions for the Agricultural Bank loan?

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.

Article 28

After the loan contract comes into effect, the lender shall issue the loan in time as agreed in the contract.

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