The one-time repayment process of the Agricultural Bank of China mortgage loan:

1. You need to make an appointment with the Agricultural Bank of China in advance. You can make an appointment by phone or at the counter. At the same time, you can also learn about the early repayment process from your bank. Specific circumstances;

2. Submit an application form for early repayment and fill in the amount, method and other information of early repayment. After the bank receives the relevant information for early repayment, it will review it to see if the applicant has the necessary qualifications. Conditions for early repayment;

3. After the bank agrees to repay early, the mortgage applicant only needs to deposit the amount into the account designated by the bank. After the bank transfers the money, the mortgage will be paid off in one go. .

Repayment knowledge:

1. Credit cards require consumption first and then repayment. Customers should pay attention to repaying credit card debts on time. Overdue interest and late payment fees will be incurred, and it will also affect the Credit history will bring inconvenience to future loans and other matters.

2. If a customer applies for multiple Bank of Communications credit cards at the same time, each credit card must be repaid separately.

3. If you use a credit card to make purchases at home and abroad, the current bill will include details of repayments in RMB and U.S. dollars. It is recommended to activate the automatic foreign exchange purchase function on the billing day at the same time, so that the customer's U.S. dollar transactions will be automatically converted on the billing day. The outstanding amount in RMB appears in the bill. However, please note that if the status of the credit card is abnormal on the statement date, including but not limited to the credit card being frozen, Bank of Communications reserves the right not to conduct automatic foreign exchange purchase transactions for customers in the current period without further notice.

: Loan methods

1. Entrepreneurship loans

Entrepreneurship loans refer to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. A special loan is issued when a business owner applies for capital needs and is approved by the bank as a valid guarantee. Qualified borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability.

2. Mortgage loan

The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can use the house you plan to buy as a mortgage and apply for a commercial house loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house you plan to purchase, and the loan term does not exceed 10 years at most.

3. Pledge loans

In addition to deposit certificates that can be pledged, personal loans can also be easily obtained with treasury bills, insurance company policies and other certificates. Loans pledged by deposit certificates can lend 80% of the amount of the deposit certificates; loans pledged by treasury bonds can lend 90% of the face amount of the treasury bonds; the amount of policy pledge loans issued by insurance companies shall not exceed 80% of the current cash value of the insurance policy.