1. What are the requirements for a personal credit loan from the Agricultural Bank of China?

Application conditions:

1. Be 18 years old or older and not more than 60 years old, and have the citizenship of the People's Republic of China* **Republic of China nationality and full capacity for civil conduct.

2. Hold

3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently only second-generation K treasure customers are supported)

4. The credit status is good.

5 Jie Dai” loan limit, there is no outstanding “NetJie Dai” loan balance.

6. Stable income and the ability to repay credit on schedule.

7. The purpose of the loan is reasonable, and the loan limit of the application for Wangjiedai is 3,000 yuan to 300,000 yuan; the loan limit is valid for 30 days, and the loan can be used within a few minutes.

A credit loan means that the borrower does not need to provide a guarantee. Its characteristic is that the debtor does not need to provide collateral or a third-party guarantee to obtain a loan based on its own creditworthiness, and the creditworthiness of the borrower is used as a guarantee for repayment. The main lending method of Bank of China for a long time

General Principles of Loans:

According to the description of the "General Principles of Loans", credit loans refer to loans without guarantees and based only on the borrower's credit. , the borrower must be able to repay the loan.

The original "Loan Regulations" even stipulated that "credit loans should be strictly controlled and guaranteed loans should be actively promoted." Since the credit loan method is more risky than the borrower's economic benefits. , operation and management level, development prospects, etc. to reduce risks

Loan projects:

China Development Bank is a development financial institution of the government and a national policy bank, and its loans are mainly issued. The construction of major projects such as infrastructure and high-tech industries. As early as 2000, the National Development Bank had provided loans of 1.5 billion yuan to the city to speed up the construction of new industrial zones in 2003. .

Government credit loans are essentially different from traditional commercial loans. The bank business review of government credit does not require enterprises to provide specific material guarantees, but treats local governments as a special type, with specific requirements. The content includes credit rating, credit development evaluation, etc. Compared with commercial bank loans, development bank loans require coordinated financing arrangements, debt review and corporate guarantees over a long period of time, and the loan procedures are simpler than commercial bank loan procedures.

1. The borrower must be a natural person who is over 18 years old and has full capacity for civil conduct;

2. Have permanent residence in China Household registration or valid residence status; provide personal identity certificate, which can be ID card, residence permit, household register, marriage certificate and other information;

3. Bank credit loans first require applicants to have a good credit record;

4. Have the ability to repay the loan, and provide proof of stable employment and income source, bank statement, labor contract, etc.;

5. Be able to provide complete house purchase documents that prove the purpose of the loan. Contracts, car purchase contracts, enrollment certificates, investment plans and other documents;

6. Provide proof of stable address, house rental contract, utility payment bill, property management and other relevant certificates;

7. Provide valid certificates recognized by the lending institution, and be able to provide true and valid relevant information required by the bank;

8. Other conditions stipulated by the bank lending institution

Bank credit loans are bank Bank credit loans are specially issued to working-class people with stable incomes. The loan amount is judged based on monthly salary income. Personal credit loans for personal consumption require no guarantee or mortgage. Your credit is the best loan pass.

3. What are the requirements for a credit loan

Credit card, salary statement, social security, provident fund