What are the loan products of China Agricultural Bank?
I. Personal loan products of Agricultural Bank of China
Personal loan products-good family loan series
Agricultural Bank loan products include: individual first-hand housing loans, individual second-hand housing loans, individual housing and provident fund portfolio loans, individual housing revolving loans, individual housing replacement loans, individual housing direct loans, individual housing non-trading mortgage loans, individual housing relay loans, and individual housing loan "repayment holiday plan".
Personal loan products-quality consumer loan series
Agricultural Bank's loan products include: salary loans, personal car loans, national student loans, consumer insurance loans (that is, personal consumer insurance loans), study abroad loans, business student loans, and home improvement loans.
Personal loan products-good start-up loan series
The series of Hershey loans in agricultural bank loan products include: personal employment loans, personal first-hand commercial housing loans, personal second-hand commercial housing loans and Wangpu loans.
Personal loan products-special loan series
The characteristic loan series products of ABC's loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, cajie loan, deposit-loan link, second-hand housing transaction fund custody, personal self-help revolving loan, personal wealth management products, balloon loan (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum) and individuals.
2. What's wrong with Xinhua Life Insurance's "Double Happiness Cash Cabinet Annuity Insurance (Dividend)"?
Yes, similar to pyramid schemes, but different in nature. Insurance is protected by the state, but pyramid selling is illegal.
Secondly, this is an insurance company's bank agent product, and at the same time, this product is a dividend-paying product. The income is based on the company's annual dividend, which depends on the annual profit of the insurance company. It is dispensable and has obvious uncertainty. If the contract does not clearly state that "it is a blank" check "that the company cannot cash. Will anyone believe the salesman if he doesn't say higher? But it is actually determined by dividends. It's better to be cautious
3. Can the dividend policy be loaned in the bank?
You can't use the insurance policy as collateral to borrow money from the bank.
You can't get a loan from an insurance company until two years after the policy takes effect. The amount is 75% of the insurance cash value, and the interest is about 3%.
4. Can I get a loan in the middle of double happiness till annuity insurance dividend insurance?
Of course. You can borrow half. You need to bring the insurance policy and the applicant's ID card to the counter of the insurance company, and you can do it directly on the way. The loan amount is 70% to 80% of the cash value of the policy. Mainly depends on the type of insurance policy. Insurance is a Chinese word, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.