What are the conditions required for an Agricultural Bank of China loan to apply for an Agricultural Bank of China personal loan?

How to apply for a personal loan from the Agricultural Bank of China?

What do the conditions for a personal loan from the Agricultural Bank of China generally include? What conditions are needed? Let me introduce it to you below.

Agricultural Bank of China personal loan conditions:

1. Be at least 18 years old and not more than 60 years old, have the nationality of the People’s Republic of China, and have full capacity for civil conduct;

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2. Have legal and valid identity documents and household registration certificate (or valid residence certificate) for the location of the loan bank;

3. The borrower and his spouse meet the credit record conditions stipulated by the Agricultural Bank of China;

4. Credit score, working experience, and annual after-tax income meet the standards set by the Agricultural Bank of China;

5. Stable income and the ability to repay credit on schedule;

6 , The purpose of the loan is reasonable and clear;

7. Open a personal settlement account at the Agricultural Bank of China;

8. Other conditions stipulated by the lending bank.

The above is a detailed introduction to the loan conditions of the Agricultural Bank of China. The Agricultural Bank of China provides a variety of loan products for different users. You can choose reasonably according to your own needs. For specific corresponding conditions, you can go to the bank to consult relevant personnel. What procedures and conditions are required for an Agricultural Bank of China loan? Next, we will introduce the Agricultural Bank of China loan procedures:

Agricultural Bank of China personal loan procedures:

1. Application and acceptance: The borrower applying for a working capital loan from the Agricultural Bank of China should submit it to the operating bank Written application;

2. Loan investigation: After accepting the application with complete materials, the customer department of the operating bank will investigate according to relevant regulations and finally form an investigation report;

3. Loan review : After the customer department investigation is completed, the credit management department of the operating bank will review the customer information and credit investigation data handed over by the customer department according to prescribed procedures, and finally form a review report;

4. Loan approval and issuance: credit management After the department review is completed, it will be submitted to the loan review committee at the same level for review and approval by the authorized approver. The loan will be issued after approval.

How to apply for Agricultural Bank of China individuals?

First of all, to apply, you need to meet at least the following qualifications:

1. Be at least twenty-two years old (may be reduced to eighteen years old in some places), and have full civil behavioral capacity.

2. Have a legitimate occupation and stable salary flow (three to six months of bank flow is used to prove job stability).

3. Have a good credit record and no malicious debts or multiple overdue records.

4. Loans cannot be used for improper activities such as stock trading and gambling.

Next, if you have met the above requirements, then the possibility of obtaining it is already high. It’s time to enter the application process and submit the required information for the loan application:

1. Submit the application materials (proof of identity, proof of residence, proof of financial resources and proof of credit) to the bank.

2. The bank will review and approve the materials.

3. Approved.

4. Both parties sign a loan contract.

5. The borrower repays according to the contract.

, also known as unsecured loan, or credit loan. No collateral is required, only proof of identity, proof of income, proof of address and other materials, and a loan application from the bank. The bank issues loans based on the individual's credit situation. The interest rate is generally slightly higher than that of mortgage loans. Customers can apply for loans based on their personal credit conditions. Choose the loan term based on the specific circumstances, and then sign a contract with the bank to ensure it is guaranteed.

Product features:

1. No mortgage - no property mortgage required;

2. Convenient application - the application process is simple and fast, application hotline, website, designated You can easily apply at the acceptance point or by fax;

3. Long period - choose your loan period, the loan period can be up to 36 months;

4. High amount - Based on a comprehensive assessment of your income and credit status, the maximum loan amount can reach RMB 500,000;

5. Fixed interest rate - This loan has a fixed interest rate, which is immune to the impact of market interest rate fluctuations and reduces interest rate risks. Enjoy the best deals.

What are the conditions required for an Agricultural Bank of China loan to an individual?

The conditions for an Agricultural Bank of China loan to an individual are as follows:

1. The borrower must be 18 years old and have full legal Capacity for civil conduct;

2. Have full capacity for civil conduct and legal and valid identity documents;

3. Have the ability to repay the principal and interest of the loan;

4. Have a stable source of income;

5. Good credit status;

6. Other conditions specified by the Agricultural Bank of China.

Agricultural Bank of China requirements:

1. Aged 18--65 years old;

2. Have a fixed residence in China, have a permanent residence in a local town, and have Chinese citizens with full capacity for civil conduct:

3. Have a legitimate and good occupation with stable economic income, have the ability to repay the principal and interest of the loan on time; abide by the law, and have no illegal or illegal activities

4. Open a personal settlement account at the lending bank (agree that the borrowing bank will deduct the principal and interest of the loan from its designated personal settlement account):

5. Meet other conditions required by the Agricultural Bank of China (individual Agricultural Bank of China must also meet other requirements).

Agricultural Bank of China loan application process:

1. Apply for a loan from Agricultural Bank of China and provide relevant information.

2. The bank will review the borrower’s personal qualifications and materials.

3. After approval, the bank will sign a loan contract with the borrower.

4. The bank will issue the loan.

5. The borrower must repay the loan on time.

Legal provisions: Article 17 of the "General Rules of Loans of the People's Republic of China"

If the borrower is a natural person, he should meet the following basic conditions:

1. Have legal identity documents or valid proof of residence in the country,

2. Have full capacity for civil conduct,

3. Have good credit, have stable income or assets, and have the ability to repay principal on schedule Ability to pay interest,

4. Unless otherwise specified by the regulatory authority.

How to apply for a personal loan from Agricultural Bank of China?

Application Procedure

1. Sign a subscription letter: The customer signs a subscription letter with the real estate development company that has signed a contract with the bank, and pays the first installment of the purchase price to the real estate development company;< /p>

2. Apply: The customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal information, paying various fees, and filling in legal documents;

3. Payment review : The law firm will conduct a preliminary review of the client's application, and then the bank will review and approve it; if the review fails, the client's information and fees charged will be refunded;

4. Other legal procedures: the law firm handles insurance, notarization on behalf of And mortgage registration and filing of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and notifies the customer to start paying for the property.

Quick application

1. Personal credit loan. To apply for a personal credit loan from a bank, the loan applicant only needs to have a stable job and income. The general loan amount is between 10,000 and 500,000 yuan, and the loan term is up to 5 years. Usually, the loan can be issued within 1 working day after the bank review materials are approved. It is a quick loan solution that does not require collateral and is easy to operate.

2. Real estate mortgage loan. Real estate mortgage refers to mortgaging one's own real estate to a bank in exchange for a bank loan. Real estate mortgage loans will not affect the right to live in the property, nor will it affect the quality of life. This loan program has a long repayment period and a high loan limit, making it a good choice for businesses and individuals looking for large-scale loans.

3. The property that has been loaned can be mortgaged again. If you buy a property that already has a mortgage loan, or a property that already has a mortgage loan, you can re-evaluate it based on the current market price, and you can apply for a second bank mortgage loan again. The lender can apply by providing corresponding loan application materials.

Extended information:

Repayment method

1. Repay the loan in equal monthly installments according to the signed payment contract. Customers should proactively deposit sufficient monthly loan principal and interest in their home purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. In advance Repayment: Customers should apply to the bank one month in advance to avoid loan interest for the advance period, but the interest rate will still be based on the same period of the original loan period.

Calculation of loan repayment:

For the repayment of personal housing loans, if the loan period is within 1 year (including 1 year), the principal and interest will be repaid in one go at maturity, and interest will follow. The principal shall be paid off; if the loan term is more than one year, the equal repayment method shall be implemented, and the principal and interest of the loan shall be repaid in monthly installments.

For personal housing loans, the borrower can repay the loan in advance with the consent of the lender. Borrowers can choose the following two methods for early repayment: After one year of loan expiration, the borrower can apply for early repayment of all the unpaid principal and interest of the loan at once.

The borrower applies for partial early repayment, and the loans that should be repaid in several periods during the entire loan period are concentrated in one period for repayment. For the remaining unpaid loans, the original agreed loan repayment period can be shortened, or the original agreed loan repayment period remains unchanged and the monthly repayment amount can be reduced.

Loan fees

(1) Lawyer review fee. During the loan application process, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer appointed by the bank. This fee is generally borne by the applicant. This cost in Guangzhou is borne by the bank. The lawyer's commission fee is generally 3‰ of the loan amount.

(2) Notary fees. If the loan applicant is a spouse or a spouse or a home buyer, the other spouse must make a statement on whether they agree to mortgage the house to the bank, and this statement needs to be notarized.

(3) Property rights registration fee.

After obtaining the real estate certificate, the home buyer must go to the registration authority to register the mortgage and pay the registration fee.

(4) Insurance premium. When a borrower applies for a mortgage loan, he or she must obtain property insurance for the collateral. During the mortgage period, the insurance policy is held by the lender, that is, by the lending bank. Property insurance premium rates vary slightly from insurance company to insurance company. Notary fees, mortgage registration fees, insurance premiums, authentication fees, appraisal fees, deed taxes, stamp duties and other relevant taxes involved in obtaining a loan from the bank must be borne by you.