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. )
Which agricultural projects can get bank loans?
According to the actual situation of China's agricultural economic development at this stage, the loan targets include the following:
State-owned agricultural enterprises include state-owned agriculture, forestry, animal husbandry, aquatic products, water conservancy, overseas Chinese, labor reform, agricultural machinery, meteorology, General Logistics Department, Science, Technology and Industry Committee for National Defense and other systems; State-owned agricultural enterprises set up industrial, commercial, material supply and marketing, service, transportation, construction, mining, garment machine repair and other enterprises; All kinds of agricultural enterprise groups, leasing enterprises, joint-stock enterprises, Sino-foreign joint ventures and institutions owned by the whole people that implement enterprise management.
Agricultural production collective economic organizations include rural collective economic organizations engaged in agriculture, forestry, animal husbandry, sideline and fishery, and rural collective economic organizations serving agriculture before, during and after delivery.
Rural production cooperative economic organizations include economic consortia of various forms and sizes.
Farmers include agricultural contractors, self-employed households and rural residents engaged in agriculture, forestry, animal husbandry, fishery and industrial and commercial operations.
Rural credit cooperatives.
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 China Agricultural Bank? Overview of Agricultural Bank of China's loan business
Agricultural Bank of China is one of the four largest banks in China, with many loan products. In addition to special services for agriculture, rural areas and farmers, there are also many special business departments in personal and enterprise services. Let's put these loan products together, let you know first, and choose the product that suits you best.
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
Agricultural Bank's loan products include: personal business 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.
Second, the Agricultural Bank of China company loan products
Financing and financing: fixed assets loans, working capital loans, revolving credit lines, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantee commitments, and entrusted joint loans.
Small and micro enterprise services: simple loans (simple and quick credit business for small enterprises), smart loans (self-service revolving loans for small enterprises), account loans (pledge financing business for accounts receivable of small enterprises), factory mortgages (mortgage loans for industrial buildings of small and micro enterprises), and loan financing services of some local companies, such as multi-household joint guarantee for small enterprises (Henan Branch), intellectual property rights (Guangdong Branch) and Jinketong (Jiangsu Branch).
Three. Agricultural Bank of China's Three Rural Loan Products
Personal products of agriculture, rural areas and farmers: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers and farmers in earthquake-stricken areas, and personal production and operation loans in rural areas.
Agricultural products: financial services of special products benefiting farmers, including credit insurance business of agricultural industrialization cluster customers, seasonal purchase loans, loans for the construction of county commodity circulation markets, loans for commercial reserves in off-season of chemical fertilizers, loans for rural urbanization, loans for rural infrastructure construction, loans for working capital of farmers' professional cooperatives (Fujian Branch) and mortgage loans for forest resources assets (Fujian Branch). General financial services include revolving credit lines and working capital loans.
The above is a summary of the loan business of ABC. I believe everyone has a certain understanding of ABC's loan products! For more details, please consult the local Agricultural Bank outlets.
How to borrow farmers' loans, and comprehensively analyze the situation of farmers' loans for everyone.
In the past, many banks could not provide loan services for users who did not have fixed jobs, which meant that many farmers could not apply for loans. With the advent of the financial era, many farmers can also apply for loans directly from banks, and many banks can provide professional loan services for farmers. How to borrow farmers' loans? Who is the farmer's loan target? Here is a comprehensive introduction to the situation of farmers' loans.
How to borrow farmers' loans
1, micro-credit of rural credit cooperatives
Maximum loan amount 10w yuan. Lenders need to apply to local rural credit cooperatives with their ID cards and loan purposes, and then apply according to the requirements of banks. If the qualifications are not so good or people who want a higher loan amount can find someone to guarantee.
2. Mortgage loan
If the lender has a full building, it can be directly used for housing mortgage loans, and the loan amount obtained is relatively high; If the bus arrives, most banks will not accept this kind of business. You can go to an offline loan company with car-to-account business for consultation.
What is a farmer loan?
Farmers' loans refer to all kinds of RMB loans issued by rural credit cooperatives to farmers who meet the loan conditions in their service areas for production, operation and consumption. The types of farmers' loans mainly include farmers' planting loans, farmers' planting loans and farmers' other industrial loans. The loan targets are general contractors and professional households. The management of farmers' loans by banks should adapt to the characteristics of decentralized management of their family economy. In terms of the purpose, quantity, term and conditions of loans, banks should adjust measures to local conditions, be flexible, and try their best to meet the liquidity needs of individual agricultural operations.
The object of farmers' loans
The types of farmers' loans mainly include farmers' planting loans, farmers' planting loans and farmers' other industrial loans. (such as industrial loans and commercial loans to contractors) and living loans to farmers. The management of farmers' loans by banks should adapt to the characteristics of decentralized management of their family economy. In terms of the purpose, quantity, term and conditions of loans, banks should adjust measures to local conditions, be flexible, and try their best to meet the liquidity needs of individual agricultural operations.
Characteristics of farmers' loans
The characteristics of farmers' loans are that it is not easy to investigate before lending, the loan amount is small, the residence is scattered, the cost of clearing loans is high, it is not convenient to collect loans or take tough measures, and the formal employees sitting at the counter are often reluctant to issue loans, while the bag salesman is born and raised in Sri Lanka, which just makes up for the above shortcomings. In a familiar environment, it is very convenient to walk one village at a time.
How to borrow farmers' loans? Who is the target of farmers' loans? To sum up, I would like to introduce the details of farmers' loans to you. People also need to analyze this information in advance before applying for a loan. When applying for farmers' loans, borrowers need to know the loan requirements of local rural credit cooperatives in advance. Only when the applicant meets the basic conditions can he successfully apply for a loan from the bank and solve his own loan problem.