It is suggested that you can apply for loans through formal banking channels, such as the "Netjet Loan" of Agricultural Bank of China. The following are the conditions for applying for NetJet loan. I suggest you judge whether you can apply according to your own situation.
1. Basic conditions for applying for NetJet loan:
1. At least 18 years old and no more than 60 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents.
3. Our e-banking customers and holders of security authentication tools issued by our bank. (At present, only second-generation K-Bao customers are supported, and Zhangyin.com Dai Jie can support K-single repayment ...)
4. The credit status is good, and the following bad credit records do not exist in the credit report:
(1) There are no overdue loans and overdue credit card overdrafts when applying for loans;
(2) There is no record of overdue for more than 30 consecutive days in the last 24 months, and the cumulative overdue times are no more than 4 times;
(3) There is no asset disposal, guarantor compensation or bad debts, and there is no record of unpaid taxes, enforcement or administrative punishment that has not been revoked;
(4) There is no state other than "normal" in the five-level classification of loans guaranteed by borrowers.
5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.
6 stable income, with the ability to repay credit on schedule.
7. The purpose of the loan is reasonable and clear.
Two. 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.
(Answer time: April 25th, 202 1. In case of business changes, please refer to the actual situation. )
What are the procedures and conditions for agricultural bank loans?
Conditions:
1, 18-65 years old, in good health, with People's Republic of China (PRC) (People's Republic of China (PRC)) nationality, valid identification and full capacity for civil conduct.
2. Have a permanent residence in the local area.
3. Personal legal assets with stable occupation, stable legal income or full repayment of loan principal and interest.
4. Good credit record, no gambling, drug abuse and other bad habits.
5. Open a personal account in the Agricultural Bank, and be willing to accept the credit and settlement supervision of the Agricultural Bank.
Procedure:
1. The customer applies for personal comprehensive credit loan and submits relevant materials.
2. The bank conducts investigation, examination and approval.
3. Banks sign credit contracts and loan contracts with borrowers.
4. Mortgage and pledge method: go through mortgage and pledge procedures.
5. The borrower repays the loan principal and interest in accordance with the agreed repayment method.
6. Go through the loan settlement procedures.
Extended data:
Advantages of agricultural bank loan:
1. One-time credit recovery: You can apply for a credit line at one time and reuse it according to one or more combinations of mortgage, pledge, guarantee and credit.
2. Full use, convenience and flexibility: the loan can be used for consumer purposes such as housing, automobiles, house decoration, comprehensive consumption, and also for business purposes such as individual production and operation, which is flexible and extensive.
3, simple procedures, worry-free and interest-saving: after the borrower applies for a loan, if the property is mortgaged, it only needs to go through the mortgage procedure once; Interest can be calculated according to the actual loan amount and the actual use days.