Bank loans are always safer than other commercial loans. Many people want to go to the Agricultural Bank for loans, but they don't know what loans the Agricultural Bank has. Then follow my footsteps and see what China Agricultural Bank has personally.
1. online loan link: online loan link is a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions. The individual applies for it, automatically approves it and uses it for his own use.
2. Pay-as-you-go loans: Pay-as-you-go loans refer to RMB loans issued by Agricultural Bank of China to individual high-quality customers with good credit, with personal stable wage income as repayment guarantee to meet consumer demand.
3. Personal car loans: Personal car loans are loans granted by the Agricultural Bank to individual customers to buy cars, including personal car loans and personal commercial vehicle loans.
4. National student loan: The national student loan refers to the RMB loan business provided by Agricultural Bank of China to full-time undergraduates, junior college students (including vocational college students), graduate students and students studying for the second bachelor's degree to pay tuition, accommodation and basic living expenses.
5. Consumer guarantee loan: Personal consumer guarantee insurance loan refers to a loan issued by a borrower who meets the loan conditions to purchase personal credit guarantee insurance from an insurance company for personal legitimate consumption purposes.
6. Student loan for commercial students: Student loan for commercial students refers to the loan business issued by domestic college students and students studying abroad or their immediate family members and legal guardians to pay tuition, accommodation and basic living expenses.
7. Home improvement loan: Home improvement loan refers to a credit loan issued to a natural person who has applied for a mortgage loan in our bank, which is used for the decoration of the purchased house, the purchase of furniture and household appliances and other consumer purposes.
The above are seven people under the Agricultural Bank of China. Friends who want to apply for a loan can go to the local Agricultural Bank to consult the specific situation, or go to the Agricultural Bank of China official website to inquire.
What loan business does China Agricultural Bank have?
Agricultural Bank of China's loans are flexible and diverse, and are deeply loved by the majority of loan applicants because of its low threshold and diverse ways of using funds. There are three common types of agricultural bank loans: farmers' loans, agricultural personal business loans and personal production and operation loans. You can choose the appropriate loan method of Agricultural Bank according to your own needs.
Among them, farmers require that applicants can only be applied by a single family member. First, the borrower applies for a loan and submits relevant information as required until the bank reviews the information and situation. Its way is more convenient, and there are self-help and recyclable repayment methods. The borrower can calculate the interest according to the actual use days of the loan, which is still very flexible and saves the interest for the borrower.
The customer needs to provide the following basic information:
(1) Original and photocopy of legal and valid ID card, household registration book and Jinsui Huinong card.
(2) Relevant information of collateral or guarantor, except those that meet the conditions of credit loan. Under normal circumstances, the guarantor also needs to provide ID card and household registration information.
(3) Other materials required by the lender. This mainly refers to the purpose of your loan, what are you going to do, how much you need to invest, and you can repay the loan in about a few years. If there is a certificate issued by the village that the project has a venue and the village also supports it, it will be better if the personnel have management experience.
The guarantor must go to the bank with the borrower and sign a guarantee contract with the bank. The guarantor must go there himself.
Farmers applying for farmers' joint guarantee loans shall meet the following conditions
1, there are production and operation projects and equipment (tools) or sites, and the proportion of self-owned funds is above 30%;
2. Have reached the age of 18 and have full capacity for civil conduct;
3. The borrower and his immediate family members have no bad credit records, and if they borrow from the Agricultural Bank of China before signing the joint guarantee agreement, the original loan has been paid off first;
4. Abide by the mutual guarantee agreement;
5. Before obtaining the loan, the borrower shall deposit a special mutual aid account of not less than 1%- 10% of the loan amount in China Agricultural Bank, and implement the deposit interest rate of the same grade plus 0.6 percentage point. Interest is settled once a year, and mutual funds are deposited in corporate deposit management.
Procedures for granting farmers' joint guarantee loans: farmers' joint guarantee loans are subject to the operating rules of "agreement first, application later, and loan later".
1. After farmers reach the farmers' joint insurance agreement by themselves, the minimum duration of the joint insurance agreement shall not be less than 6 months and the longest shall not exceed 3 years. The joint insurance team shall fill in a unified standard joint insurance agreement, each member shall provide 3 photos 1 inch, and the team leader shall submit a written joint insurance agreement to the Agricultural Bank of China.
2. After receiving the joint guarantee agreement, the Agricultural Bank first examines whether the main contents of the joint guarantee agreement are complete, and after examination, the segmented loan officer investigates the joint guarantee farmers according to the contents stipulated in the agreement; During the investigation, the loan limit should be consistent with the opinions of all the members of UNPROFOR, and the investigation should be completed within ten working days.
What loan business does China Agricultural Bank have?
There are many kinds of loans from the Agricultural Bank, including housing loans, automobile loans, consumer loans, small secured loans, student loans, farmers' loans, agricultural personal business loans, and personal production and operation loans. You can choose the appropriate loan type according to your own needs.
Agricultural Bank to apply for loans must meet the following conditions:
1. The applicant has full capacity for civil conduct within the scope stipulated by the bank.
2. The applicant has a fixed residence and a stable income, and has the ability to repay on time.
3. The applicant has a good credit record.
4. The applicant meets other conditions required by the bank.
Agricultural Bank of China was established in 195 1. Headquartered at 69 Jianguomen Inner Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. Agricultural Bank of China is an important part of China's financial system. It provides various products and services for corporate banks and retail banks, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields.
In February of 20 17, BrandFinance released the list of top 500 global brands in 20 17, and China Agricultural Bank ranked 34th. 20 18 in July, the British "Banker" magazine published the ranking list of global banks 1000 in 2065 438+0008, and the Agricultural Bank of China ranked fourth. 20 18 Fortune Global 500 ranked 40th. 2065438+In February 2008, 65438+2008, the World Brand Lab released the list of top 500 world brands in 2065438+2008, and China Agricultural Bank ranked 340th. On July 22nd, 20 19, the Fortune Global 500 list was released, and the Agricultural Bank of China ranked 36th. In 20 19 and 1 1, the Belt and Road Initiative ranked 44th in the list of enterprises in China. 20 19 12, China agricultural bank was selected as China brand power festival 100 brand 20 19. 20 19 12 18, people's daily "China brand development index" 100 list ranked 43rd. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Contribution Award for Sustainable Development".
What are the loan products of Agricultural Bank?
I recommend you to apply for the online loan products of Agricultural Bank of China.
Netjet loan refers to a small consumer loan which is granted by China Agricultural Bank in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited.
The following is the application process through Pocket Banking:
Step 1: Please log in to Pocket Bank and click the "Loan" option on the home page, as shown:
Step 2: Select the "online loan link" product, as shown in the following figure:
Step 3: Enter the NetJet loan introduction page, where the advance loan amount can be displayed, and click Apply Now, as shown below:
Step 4: Enter the application page, select the loan purpose, loan and repayment account (must be Zhang Yin's registered account), confirm personal contact information, check the consent option below, and then select Submit, as shown in the following figure:
Step 5: Select the loan and enter the signing information interface. After confirming that the information is correct, click Next to enter the face-brushing authentication. After the authentication is successful, click Start Authentication to enter the final signing interface, click OK to verify the security tool (KBao or KOrder), and then jump to the signing interface. After signing the contract successfully, you can click "Lending" directly.
Tips: The online loan application time is from 7: 00 to 22: 00 every day, and there will be a maximum limit every day. If it exceeds the limit of the day, the system will prompt that "the limit that can be applied for today has been used up, please apply again the next day", and the limit will be restored at 7:00 the next morning.
From July 25th, 20 19, new online loan customers can apply for loans through personal banking channels or super-counter channels. Personal online banking channel has been suspended, but loan inquiry and repayment can still be handled. For existing customers, personal online banking can inquire and repay, but it cannot lend money. If you need to operate a loan, you must handle it through a personal bank.
(Answer time: 202 1Apr. 13. In case of business changes, please refer to the actual situation. )
How does ABC borrow money?
Application procedure
1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;
2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;
3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;
4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;
5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.
immediate processing
1, personal credit loan. To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.
2. Real estate mortgage loan. Property mortgage refers to the mortgage of one's own property to a bank in exchange for a loan from the bank. Real estate mortgage loan will not affect the right to live in real estate, nor will it affect the quality of life. This loan scheme has a long repayment period and a high loan amount, which is a good choice for enterprises and individuals to seek large amounts of funds.
3. The lent property can be mortgaged again. When buying a house, the mortgaged property, or the mortgaged property, can be re-evaluated according to the current market price, and you can apply for bank two mortgage again. Lenders can apply for loans by providing corresponding loan application materials.
Extended data:
Repayment method
1. Repay in equal amount every month according to the provisions in the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;
2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term.
Calculation of loan repayment:
For repayment of individual housing loan, if the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.
Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay the loan in advance: after the loan reaches 1 year, the borrower can apply for a one-time prepayment of the outstanding loan principal and interest.
The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.
Loan expenses
(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.
(2) notarization fee. If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.
(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.
(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.