Agricultural Bank mortgage loans have strict requirements for credit reporting. Reach the untrustworthy person in the credit report

Second, does the Agricultural Bank have it?

Ms. Zhang from Hami City, Xinjiang has been planning to change cars. She has taken a fancy to the brand and model of the new car, but she is not satisfied with the price. She intends to wait until the car dealers hold preferential activities, but she can't bear to leave a lot of money idle. So at the end of 20 12, Ms. Zhang bought a wealth management product due on February 4, 20 13 at an agricultural bank branch in Hami with the prepared car purchase price of 800,000 yuan, and planned to receive it before the Spring Festival. However, after purchasing the wealth management products of ABC for more than ten days, I suddenly received a phone call from the car dealer. The price concessions of Ms. Zhang's favorite models, such as one-time car purchase payment concessions.

Ms. Zhang rushed to the Agricultural Bank outlet and wanted to take out the wealth management products she had purchased before. After listening to Ms. Zhang's words, the financial manager of Agricultural Bank of China immediately introduced the new business of personal financial products recently launched by Agricultural Bank of China, which can be used to solve the problem that individuals urgently need temporary funds. Under normal circumstances, the loan can be released on the same day. After hearing this, Ms. Zhang immediately handled the personal financial products business of ABC, which enabled Ms. Zhang to realize both car purchase and financial management.

It is reported that the personal wealth management products of China Agricultural Bank refer to the personal loan business that China Agricultural Bank (60 1288, Share Bar) uses the unexpired personal wealth management products legally owned by the borrower as the pledge for the borrower's production, operation or daily consumption.

The person in charge of the personal finance department of Agricultural Bank of China Xinjiang Branch said that since the bank launched the new business of personal wealth management products at the end of last year, it has not only met the temporary financing needs of customers, but also "revitalized" the wealth management funds and enhanced the liquidity of customers' wealth management funds by virtue of its advantages of fast lending and the highest pledge rate. This business was welcomed by customers as soon as it was launched.

3. Does the Agricultural Bank apply for credit reporting?

Agricultural Bank of China is one of the four state-owned banks in China. Compared with commercial banks, the interest rate of their loan products is lower. A friend in need may ask, does the Agricultural Bank apply for credit reporting? What will be the impact of overdue?

In order to make it more convenient for users to handle loan business, Agricultural Bank of China launched personal self-help, which refers to the personal loan business in which individual customers pledge their own financial assets at Agricultural Bank, apply online for self-help, and the system automatically approves and issues loans in real time.

Product characteristics

1, network processing. Complete the application, approval, signing and lending process through online banking and bank management.

2. You can borrow it and return it. You can apply for payment at any time through online banking and bank financing, and handle prepayment.

3. The loan amount. The loan amount shall not exceed 90% of the value of financial assets, and the maximum amount for a single household shall be100000 yuan.

4. Term of the loan. The loan term shall not exceed the maturity date of financial assets, and the longest shall not exceed 5 years.

Bidding conditions

1, at least 18 years old but not more than 65 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct.

2. E-banking customers of Agricultural Bank of China hold safety certification tools issued by Agricultural Bank of China.

3. Qualified financial assets can be provided as pledge.

4. There are no overdue loans and credit card overdrafts when applying for loans.

Agricultural Bank of China will definitely collect credit at the meeting. Users who care about this can apply carefully. In addition, if it is overdue, the personal credit record will be stained and will be penalized. I suggest that you repay the loan on time, and don't be overdue.