1. Personal loan has been handled in Agricultural Bank;
2. The signed debit card is the loan account agreed in the personal loan contract and is in a normal state;
3. All loans associated with the signed debit card have no overdue loan principal and interest;
4. Other conditions stipulated by the Agricultural Bank.
In addition to meeting the above conditions, consumers should also meet the following specific conditions:
1. Unsettled mortgage that has been repaid on time for 2 years or more (both first-hand houses and second-hand houses refer to ordinary commercial houses);
2. If the relevant property is a large apartment such as a villa, the borrower should be an enterprise other than the private owner;
3. Good credit record;
：
1. If consumers meet the application conditions for online loan of ABC, they can apply, and at the same time, they need to prepare the following materials to apply for online loan:
1. Legal and valid identification of the borrower;
2. Contracts and related agreements, such as personal guarantee loan contract or maximum guarantee personal loan contract;
3. Debit card as the loan account of personal loan contract;
4. Other information required by the Agricultural Bank.
2. How to calculate the interest rate of NetJet loan?
Netjet Loan is a credit loan product under the Agricultural Bank of China, which has been very popular since its launch. Many people want to apply for online loans, so how to calculate the interest rate of ABC's online loans?
The calculation method of interest on the online loan of ABC is: interest = loan principal × annualized loan interest rate × 1. The online loan interest rate of ABC rises on the basis of the benchmark interest rate announced by the central bank, in which the interest rate of mortgage customers rises by 15% and the interest rate of non-mortgage customers rises by 15% ~ 50%. ABC will adjust the interest rate in time according to market conditions. When handling online loans, the repayment interest is calculated according to the interest rate at the time of lending.
Agricultural Bank of China's online loan interest rate is relatively low, and the annualized loan interest rate can be as low as the benchmark interest rate 10%. At present, ABC's NetJet loan is in the form of repayment at maturity, and the loan term is generally 1 year. In other words, ABC's online loan interest is paid off in one lump sum.
Three. Special conditions for applying for online loan: In addition to the basic conditions, for different types of customers, the applicant should also meet the following conditions:
1. Mortgage customers: ① The repayment time of the related personal housing loan has exceeded 24 months (inclusive); ② The related real estate is not in the area where the house price falls, the supply exceeds demand or the non-performing rate of personal housing loans of banks is high; (3) If the relevant property is a villa or other large apartment, the borrower shall not be a private owner.
2. Provident fund customers: ① The borrower's credit report contains information on the deposit of provident fund for more than 2 years (inclusive), and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
3. Social security customers: ① The borrower has social insurance deposit information for more than 2 years (inclusive) in the credit report, and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
4. Payroll paying customers: ① The borrower pays more than 1 year in our bank (inclusive); (2) Customers who pay wages on their behalf must meet the access conditions of "paid loans" units; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
5. Debit card customers: ① Debit card transaction records for more than 2 years (inclusive); (2) The annual transaction flow, transaction frequency and other conditions meet the requirements; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.