You also need a good personal credit report with no overdue records.
Agricultural Bank of China Rong Zhi Loan is a comprehensive loan recommendation service launched by Agricultural Bank of China. This service is a tool to recommend loans to users according to their personal qualifications. You can recommend online loans, consumer reserve funds, music cards, e-loans and other loans to users.
The specific operation process is as follows:
Huawei p40 opens version 6.8.0 of Pocket Banking, logs into the Pocket Banking APP, and clicks "Inquire how much I can borrow" in the loan column to enter the Agricultural Bank of China Rong Zhi; Click "Start with One Button" to enter the calculation page, and the result page will be displayed after the calculation is completed; Click the arrow behind my loan to enter the customer loan details display page.
Tips: At present, only three loan products, namely "Netjet Loan", "Fast Agricultural Loan" and "Pledged Loan", are calculated.
Extended data
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.