It is recommended that you choose formal banking channels to apply for a loan, such as Agricultural Bank of China’s “NetJie Loan”. The following are the application conditions for Netjet Loan. It is recommended that you judge whether you can apply based on your own situation.

1. Basic requirements for Wangjie Loan application:

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

2. Hold legal and valid identity documents.

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. Palm Bank Online Loan repayment can support K orders.)

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 a loan;

(2) There are no overdue records for more than 30 consecutive days in the last 24 months, and the cumulative number of overdues does not exceed 4 times ;

(3) There are no asset disposals, guarantor compensation or bad debts, and there are no records of tax arrears, enforcement records or administrative penalties that have not been revoked;

(4 ) There is no status other than "normal" in the five-level classification of loans guaranteed by the borrower.

5. There is no unexpired “Network Loan” loan limit, and there is no unsettled “Network Loan” loan balance.

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

7. The purpose of the loan is reasonable and clear.

2. Special conditions for online loan application: In addition to the basic conditions, applicants should also meet the following conditions for different types of customers:

1. Home loan customers: ①Associated The personal housing loan has been repaid for more than 24 months (inclusive); ② The associated property is not in an area where housing prices are falling, supply exceeds demand, or our bank’s personal housing loan non-performing rate is high; ③ The associated property is a large apartment such as a villa , the borrower should be someone other than a private owner.

2. Provident Fund customers: ① In the borrower’s credit report, there is provident fund payment information 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 In the borrower’s credit report, they have social insurance payment information 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.

4. Salary payment agency customers: ① The borrower’s salary payment period in our bank exceeds 1 year (inclusive); ② Salary payment agency customers must meet the admission conditions of the “salary loan” unit; ③ Borrowing In the personal 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 Annual transaction flow, transaction frequency and other conditions meet the regulations; ③ In the borrower’s credit report, in our There is no personal operating loan balance in the bank or other banks.

(Answer time: April 25, 2021. In case of business changes, please refer to the actual situation.)