What is the application process of China Agricultural Bank's tax payment e-loan

1. What is the application process of agricultural bank of China's tax payment e-loan?

1. Complete the tax information authorization: the enterprise can complete the tax information authorization through the method specified by the tax department, official website of China Agricultural Bank and corporate online banking;

2. Complete business authorization: submit and agree to all authorizations and agreements, or log in to the corporate bank and click "Micro-loan → Business Authorization Application" to submit and agree to all authorizations and agreements;

3. Complete the order award: the company as a legal person logs into the personal bank, clicks "Loan" → "I want a loan "→" Micro-loan ",agrees with the relevant authorization and agreement, and submits the loan application;

4. Signing: The legal representative of the enterprise confirms the loan approval information, determines the loan amount and loan term and enters them into the system. Click Next → OK to complete the contract signing.

5. After completing the above steps, you can use the loan. When repaying, the legal representative logs into the personal bank, clicks "Loan" → "My Loan", and chooses the small loan contract for repayment.

Second, the Agricultural Bank of China tax electronic loan application process

Hello! Tax electronic loan application conditions:

1. The owner of an enterprise as a legal person approved and registered by the administrative department for industry and commerce is over 65438 and under 65, and is not a Hong Kong, Macao, Taiwan citizen or a foreigner.

2. Open a settlement account with our bank and voluntarily accept our credit and settlement supervision.

3. The enterprise has been in production and operation for more than 2 years.

4. The tax credit rating of the enterprise in the last year is above M (inclusive).

5. The enterprise has paid taxes in good faith in the past two years, and there is no serious dishonesty recognized by the tax authorities.

6. The total tax paid by the enterprise in the past 65,438+02 months exceeded 65,438+00,000 yuan (inclusive), and the total tax paid by the enterprise refers to the sum of value-added tax and enterprise income tax paid by the tax authorities.

7. When applying for a loan, the enterprise did not owe taxes.

8. When handling business, the enterprise has no effective customer rating and credit line in our bank (except only handling low credit risk business or small online loan business).

9. The credit status of the enterprise and the business owner is normal, and there is no bad credit record in our bank and other banks; Or although there has been a bad credit record, the bad credit record is not caused by subjective malice, and all the bad credit has been repaid before applying for this letter.

10. No more than 2 enterprises have granted credit to other banks; The credit balance of enterprises and business owners in other banks shall not exceed 5 million yuan (except personal mortgage and credit card).

1 1. At present, the business owner has no overdue loans, and the number of loans overdue or interest defaults has not exceeded 6 times within 30 days (inclusive) in recent two years. There is no credit record of loans overdue or arrears of interest for more than 30 days in the last two years, and there is no record of loan risk classification as Grade II or below in our bank in the last two years.

12. Enterprises and business owners are not included in the national list of untrustworthy people.

13. There is no record of administrative punishment enforced or not revoked by enterprises and business owners.

14. The risk level of customers and terrorist financing of enterprises and business owners does not belong to high risk or prohibited category; Sanctions list not included in the Bank's monitoring scope; No criminal record; Did not engage in or participate in illegal financial activities such as private lending, gambling, and drugs.

15. The owner of the enterprise is not an affiliated party of the bank, and the borrowing enterprise is not an enterprise invested by an affiliated party of the bank or holding a senior management position.

16. Other conditions required by the bank.

(Answer time: July 29, 2022. In case of business changes, please refer to the actual situation. )

Third, the business process of e-loan of ABC merchants?

It takes six steps to apply for agricultural electronic loans. These six steps are: tax payment authorization, business authorization, authorization acceptance, contract signing, loan disbursement and loan repayment.

Tax payment authorization

Enterprises need to complete the authorization of tax information through the official website of Agricultural Bank of China, online banking of enterprises or the way designated by the tax department.

Commercial authorization

The manager of enterprise online banking needs to be authorized through the enterprise online banking of Agricultural Bank of China. The specific operation steps are as follows:

(1) Log in to corporate online banking, enter "Micro-loan" and click "Business Authorization Application";

(2) Check all the power of attorney and agreements, and click "Submit" to complete the business authorization.

Accept authorization

After entering the "Micro-Agile Loan" page, you need to check the relevant authorizations and agreements, and then submit a loan application.

sign a contract

The legal representative of the enterprise confirms the loan approval information, inputs "loan amount", selects "loan term" and clicks "OK" to complete the contract signing.

Loan payment

After the loan contract is successfully signed, the legal representative can choose micro-agile loan to use the money on personal handheld online banking and corporate online banking.

Loan repayment

When repaying the loan, the legal representative can make online repayment through personal banking, corporate online banking and other channels.

4. How does ABC borrow money?

Agricultural Bank loan process:

The borrower applies for a loan and provides relevant information;

After the approval of the bank, sign a loan contract with the borrower;

Handling insurance and guarantee procedures;

Banks issue loans;

The borrower repays the loan on schedule.

Materials to be prepared for the loan:

Identification certificate of the borrower;

Proof of the marital status of the borrower;

Proof of the borrower's repayment ability;

Proof of down payment for house purchase;

A legal and effective house sales contract signed by the borrower and the seller;

Co-borrower and co-borrower must provide identity documents and other relevant supporting materials as required, and handle them as required;

Fill in the Application Form for Personal Real Estate Loan of Agricultural Bank of China;

Eligible borrowers who set mortgage on houses other than the houses purchased shall provide mortgaged houses;

Proof of property right of mortgaged property, identity documents of the owner and co-owner and their written commitment to agree to mortgage;

Other information required by the bank.

The basic conditions of the loan:

Having full capacity for civil conduct and legal and valid identity documents;

Having the ability to repay the principal and interest of the loan;

Good credit status;

Has signed a legal and effective contract for the sale of houses, and the purpose of the purchased houses is residential;

There is a down payment certificate of not less than the minimum prescribed proportion;

The purchased house is secured by mortgage in principle;

Other conditions stipulated by the bank.

Note: The longest loan period is not more than 30 years; The amount of mortgage loan shall not exceed 80% of the total transaction price.