How to get an Agricultural Bank of China credit card loan? It’s not hard to get money if you know this!
The four major state-owned banks have always been very high in the hearts of Chinese people. When many people save money or borrow money, they give priority to the four major state-owned banks. Nowadays, many people apply for credit cards at Agricultural Bank of China. Some of them will have the idea of ????taking loans through Agricultural Bank of China credit cards. So, how to get an Agricultural Bank of China credit card loan? Today I would like to introduce to you some pure content.
There are many types of Agricultural Bank of China credit card loan products, such as cash installment, bill installment, consumption installment, car installment, merchant installment and online installment. Here we take cash installment and consumption installment as examples to talk about how to get an Agricultural Bank of China credit card loan.
Cash installment
Cash installment mainly provides cash loans to cardholders. The limit starts from 2,000 yuan and is capped at 50,000 yuan. The loan terms include 3, 6, 9 and 12 issues of four types. Let’s take a look at how to get a cash installment loan:
1. Agricultural Bank of China credit card holders go to an Agricultural Bank of China branch to fill out a cash installment application form;
2. Provide their own Agricultural Bank of China debit card as Collection and repayment accounts;
3. Withdraw cash directly from the Agricultural Bank of China debit card or transfer funds for consumption.
Consumption installment
If you spend more than 500 yuan, or more than 50 US dollars, euros, or Australian dollars through the Agricultural Bank of China credit card, you can apply for consumption installment, and the period can be up to 24 installments. You can apply for Agricultural Bank of China credit card loan consumption installment through WeChat, online banking, phone, SMS, and mobile banking.
WeChat application steps: Follow "Agricultural Bank of China Credit Card" on WeChat → click "Apply for Installment" in "My Card".
Internet banking application steps: Log in to online banking → select a credit card → enter installment management → select consumption installment.
The above is about how to get a loan with an Agricultural Bank of China credit card. I hope you have learned how to use an Agricultural Bank of China credit card to apply for a loan.
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What procedures and conditions are required for an Agricultural Bank of China credit loan?
Required conditions for borrowers:
1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan, Mainland China and foreign nationals are also acceptable)
2. Have A stable career, a stable income, and the ability to repay the principal and interest of the loan on time
3. The actual age of the travel friend plus the loan application period should not exceed 70 years old
The borrower should provide Materials:
1. Identity cards, household registration booklet of both spouses/temporary residence permit and household registration booklet for foreigners
2. Marriage certificate/divorce certificate or judgment/single certificate 2 copies of the certificate
3. Proof of income (in the format designated by the bank)
4. A copy of the business license of the unit (with official seal)
5. Credit certificate: including academic certificates, other real estate, bank statements, certificates of deposit, etc.
6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, Articles of association and financial statements.
Extended information:
According to the "Interim Measures for the Administration of Personal Loans":
Article 23
The lender shall contact the borrower The person shall sign a written loan contract, and if a guarantee is required, a guarantee contract shall be signed at the same time. Lenders should require borrowers to sign loan contracts and other relevant documents in person, except for loans processed through electronic banking channels.
Article 24
The loan contract shall comply with the provisions of the "Contract Law of the People's Republic of China" and clearly stipulate the good faith commitments of the parties and the purpose of the loan funds. , payment object (scope), payment amount, payment terms, payment method, etc.
The loan contract should set up relevant clauses to clarify the liability for breach of contract if the borrower fails to perform the contract or fails to perform the contract.
Article 25
Lenders should establish and improve a contract management system to effectively prevent legal risks in personal loans.
If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be protected and made public.
Article 26
The lender shall comply with the relevant laws and regulations such as the Property Rights Law of the People’s Republic of China and the Guarantee Law of the People’s Republic of China. stipulate and standardize guarantee procedures and operations.
The lender shall participate in the registration of collateral as stipulated in the contract. If the lender entrusts a third party to handle the matter, the registration of the collateral should be verified
For personal loans guaranteed by guarantee, the lender should have no less than two credit officers complete the verification.
Article 27
Lenders should strengthen the management of loan issuance, follow the principle of separation of loan review and lending, and establish independent loan management departments or positions to be responsible for the implementation of loan conditions, and issue personal loans that meet the agreed conditions.
Article 28
After the loan contract comes into effect, the lender shall issue the loan in a timely manner as stipulated in the contract.