What loans does Agricultural Bank of China offer?

Who are the Agricultural Bank of China individuals?

Bank loans are always safer than other commercial loans. Many people want to get a loan from the Agricultural Bank of China, but they don’t know what loan businesses the Agricultural Bank of China has. So let’s follow my footsteps and take a look at what Agricultural Bank of China has to offer.

1. Netjet Loan: Netjet Loan refers to the small-amount consumption that the Agricultural Bank of China issues to individual customers of the Agricultural Bank of China who meet specific conditions in the form of credit, and is subject to customer self-application, automatic approval, and self-service credit. loan.

2. Salary loan: Salary loan refers to the loan that the Agricultural Bank of China issues on credit to high-quality individual customers with good credit, using the individual's stable salary income as a repayment guarantee, and is used to meet consumer needs. RMB loans.

3. Personal car loans: Personal car loans are loans issued by Agricultural Bank of China to individual customers for the purchase of cars, including personal car loans and personal commercial car loans.

4. National student loans: National student loans refer to the loans provided by the Agricultural Bank of China to full-time undergraduate, junior college students (including vocational students), graduate students and those pursuing a second bachelor's degree who are receiving higher education. RMB loan business issued to school students to pay tuition, accommodation fees and basic living expenses.

5. Consumer Baojie Loan: Personal consumption guarantee insurance loans refer to loans issued by our bank for legitimate personal consumption purposes to borrowers who meet the loan conditions and purchase personal credit guarantee insurance from insurance companies.

6. Commercial student loans: Commercial student loans are issued to students in domestic colleges and universities, as well as students studying abroad or their immediate relatives and legal guardians to pay tuition, accommodation fees and basic living expenses. Loan business.

7. Home improvement loan: Home improvement loan is a credit loan issued to natural persons who have applied for mortgage loans with our bank for consumption purposes such as house decoration, furniture and home appliances.

The above are the seven major individuals under the Agricultural Bank of China. Friends who want to apply for a loan can go to the local Agricultural Bank of China to inquire about the specific conditions, or you can also go to the official website of the Agricultural Bank of China to inquire.

What loan business does Agricultural Bank of China offer?

Agricultural Bank of China’s loans are flexible and diverse. They are popular among loan applicants because of their low threshold and diverse payment methods. There are three common types of Agricultural Bank of China loans: farmers, agricultural personal business loans, and personal production and operation loans. You can choose the Agricultural Bank of China loan method that suits you according to your own needs.

Among them, farmers require that the application handler can only be applied by a single family member. First, the borrower must submit a loan application and submit relevant information as required and wait for the bank to review the information and circumstances. Its method is relatively convenient. There is a self-service revolving repayment method. The borrower can calculate the interest based on the actual number of days the loan is used. This is very flexible and saves the borrower interest.

Customers need to provide the following basic information:

(1) Original and copy of legal and valid ID card, household register, and Jinsui Huinong Card.

(2) Mortgage (pledge) or relevant information of the guarantor, except those that meet the credit loan conditions. 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 you plan to do, how much investment you need, and how many years you can repay the loan. It would be better if you can get a certificate from the village to prove that the project already has a site, the village supports it, and 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 in person.

Farmers applying for farmer joint guarantee loans should meet the following conditions

1. Have production and operation projects and equipment (tools) or sites, and the proportion of self-owned funds should exceed 30%;

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2. Be at least 18 years old and have full capacity for civil conduct;

3. The borrower and his immediate family members have no bad credit records and have borrowed money from the Agricultural Bank of China before signing the joint guarantee agreement. , the original loan has been repaid in advance;

4. Comply with the joint guarantee agreement;

5. Before obtaining the loan, the borrower should deposit no less than the loan amount 1 with the Agricultural Bank of China %-10% of the mutual aid special account deposits, the current deposit interest rate of the same grade plus the deposit interest rate of 0.6 percentage points, the interest is settled once a year, and the mutual aid deposits are deposited into the corporate deposit account for management.

The issuance procedure of farmers' joint guarantee loans: Farmers' joint guarantee loans follow the operating rules of "first agree, then apply, and then issue the loan".

1. After the farmers’ joint guarantee agreement is first reached independently by the joint guarantee farmers, the minimum term of the joint guarantee agreement shall not be less than 6 months and the longest shall not be more than 3 years. The joint guarantee team shall fill in a unified standard joint guarantee agreement. Each member shall provide three 1-inch photos, and the team leader shall submit a written joint guarantee agreement to the Agricultural Bank of China.

2. After receiving the joint guarantee agreement, the Agricultural Bank of China will first review whether the required content of the joint guarantee agreement is complete. After the review, the branch loan officer will conduct a review on each joint guarantee farmer household based on the content stated in the agreement. Investigation; During the investigation process, the loan limit must be consistent with the opinions of all joint guarantee members, and the work must be completed within ten working days.

What loan services does Agricultural Bank of China offer?

Agricultural Bank of China offers many types of loans. Currently, it mainly includes housing loans, car loans, consumer loans, small-amount guaranteed loans, student loans, and rural household loans. , agricultural personal business loans, personal production and business loans, etc. You can choose the corresponding type of loan according to your own needs.

Agricultural Bank of China loan application needs to meet the following conditions:

1. The applicant’s age is within the range specified by the bank and has full civil capacity.

2. The applicant has a fixed residence and stable income, and has the ability to repay the loan on time.

3. The applicant has a good credit record.

4. The applicant meets other conditions required by the bank.

The Agricultural Bank of China (AGRICULTURALBANKOFCHINA, referred to as ABC, Agricultural Bank of China) was established in 1951. The head office is located at No. 69 Jianguomennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. Agricultural Bank of China is an important part of China's financial system. It provides a variety of corporate banking and retail banking products and services, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance, etc. field.

In February 2017, BrandFinance released the list of the top 500 global brands in 2017, and Agricultural Bank of China ranked 34th. In July 2018, the British "Banker" magazine released the list of the top 1000 global banks in 2018, and Agricultural Bank of China ranked 4th. In 2018, it ranked 40th among the Fortune Global 500. In December 2018, the World Brand Laboratory released the "Top 500 World Brands 2018" list, and the Agricultural Bank of China ranked 340th. On July 22, 2019, the Fortune Global 500 list was released, and the Agricultural Bank of China ranked 36th. Bit. In November 2019, it ranked 44th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, Agricultural Bank of China was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, it ranked 43rd on the People's Daily "China Brand Development Index" 100 list. On January 4, 2020, it won the "Sustainable Development Contribution Award" of the 2020 Finance Evergreen Award.

What are the loan products of Agricultural Bank of China?

It is recommended that you apply for Agricultural Bank of China’s online loan products.

NetJie Loan refers to a small-amount consumer loan that is issued by Agricultural Bank of China in cash to individual Agricultural Bank of China customers who meet specific conditions. Customers apply for it by themselves, receive it quickly, automatically approve it, and use their credit themselves.

The following is the application process through Mobile Banking:

Step 1: Please log in to Mobile Banking and click the "Loan" option on the homepage, as shown in the picture:

Step 2: Select the "Wangjie Loan" product, as shown in the figure below:

Step 3: Enter the Wangjie Loan introduction page. The pre-loan amount will be displayed at the top of the page. Click Apply Now. As shown in the picture below:

Step 4: Enter the application page, select the loan purpose, borrowing and repayment account (requires a PalmBank registered account), confirm personal contact information, and check the box below Agree to the options, and then select Submit, as shown in the figure below:

Step 5: Select the loan, enter the contract information interface, confirm that the information is correct, click "Next" to enter the face recognition authentication, and click "Start" Authentication" and after the authentication is successful, enter the final signing interface, click "OK", and after verifying the security tool (K Bao or K Order), jump to the signing interface. After the signing is successful, you can directly click the "Lending" operation.

Warm reminder: The application time for Wangjie Loan is from 7:00 to 22:00 every day, and there is a daily maximum limit. If the limit for the day is exceeded, the system will prompt "The amount that can be applied for today has been exhausted." , please apply again the next day." The quota will be restored at 7:00 am the next day.

From July 25, 2019, new customers of Wangjiedai can apply for loans through personal mobile banking channels or super counter channels. Applications through personal online banking channels have been suspended, but they can still handle loan inquiries and repayments. ; For existing customers, personal online banking can conduct loan inquiries and repayments, but cannot provide loan disbursements. If loan disbursement is required, it must be handled through personal mobile banking.

(Answer time: April 13, 2021. In case of business changes, please refer to the actual situation.)

How to get a loan from the Agricultural Bank of China?

Application Procedure

1. Sign a subscription letter: The customer signs a subscription letter with the real estate development company that has signed a contract with the bank, and pays the first installment of the purchase price to the real estate development company;< /p>

2. Apply: The customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal information, paying various fees, and filling in legal documents;

3. Payment review : The law firm will conduct a preliminary review of the client's application, and then the bank will review and approve it; if the review fails, the client's information and fees charged will be refunded;

4. Other legal procedures: the law firm handles insurance, notarization on behalf of And mortgage registration and filing of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and notifies the customer to start paying for the property.

Quick application

1. Personal credit loan. To apply for a personal credit loan from a bank, the loan applicant only needs to have a stable job and income. The general loan amount is between 10,000 and 500,000 yuan, and the loan term is up to 5 years. Usually, the loan can be issued within 1 working day after the bank review materials are approved. It is a quick loan solution that does not require collateral and is easy to operate.

2. Real estate mortgage loan. Real estate mortgage refers to mortgaging one's own real estate to a bank in exchange for a bank loan. Real estate mortgage loans will not affect the right to live in the property, nor will it affect the quality of life. This loan program has a long repayment period and a high loan limit, making it a good choice for businesses and individuals looking for large-scale loans.

3. The property that has been loaned can be mortgaged again. If you buy a property that already has a mortgage loan, or a property that already has a mortgage loan, you can re-evaluate it based on the current market price, and you can apply for a second bank mortgage loan again. The lender can apply by providing corresponding loan application materials.

Extended information:

Repayment method

1. Repay the loan in equal monthly installments according to the signed payment contract. Customers should proactively deposit sufficient monthly loan principal and interest in their home purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. In advance Repayment: Customers should apply to the bank one month in advance to avoid loan interest for the advance period, but the interest rate will still be based on the same period of the original loan period.

Calculation of loan repayment:

For the repayment of personal housing loans, if the loan period is within 1 year (including 1 year), the principal and interest will be repaid in one go at maturity, and interest will follow. The principal shall be paid off; if the loan term is more than one year, the equal repayment method shall be implemented, and the principal and interest of the loan shall be repaid in monthly installments.

For personal housing loans, the borrower can repay the loan in advance with the consent of the lender. Borrowers can choose the following two methods for early repayment: After one year of loan expiration, the borrower can apply for early repayment of all the unpaid principal and interest of the loan at once.

The borrower applies for partial early repayment, and the loans that should be repaid in several periods during the entire loan period are concentrated in one period for repayment. For the remaining unpaid loans, the original agreed loan repayment period can be shortened, or the original agreed loan repayment period remains unchanged and the monthly repayment amount can be reduced.

Loan fees

(1) Lawyer review fee. During the loan application process, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer appointed by the bank. This fee is generally borne by the applicant. This cost in Guangzhou is borne by the bank. The lawyer's commission fee is generally 3‰ of the loan amount.

(2) Notary fees. If the loan applicant is a spouse or a spouse or a home buyer, the other spouse must make a statement on whether they agree to mortgage the house to the bank, and this statement needs to be notarized.

(3) Property rights registration fee. After obtaining the real estate certificate, the home buyer must go to the registration authority to register the mortgage and pay the registration fee.

(4) Insurance premium. When a borrower applies for a mortgage loan, he or she must obtain property insurance for the collateral. During the mortgage period, the insurance policy is held by the lender, that is, by the lending bank. Property insurance premium rates vary slightly from insurance company to insurance company. Notary fees, mortgage registration fees, insurance premiums, authentication fees, appraisal fees, deed taxes, stamp duties and other relevant taxes involved in obtaining a loan from the bank must be borne by you.