How safe are small loans? Will they collect debts like those loan sharks? Are small loans usury?
Regular small loans are not usury. If you need to apply for a small loan, you can go to Accelerator Loan to check local regular small loan companies. Generally speaking, the base interest rate is 4 times It is not considered usury if it is within 24% according to the current benchmark interest rate. For a one-year loan, the loan interest rate is legal within 24%.
It is recommended that you handle it through formal channels, such as bank channels;
You can log in to our bank's All-in-One Netcom homepage, select the horizontal menu "Personal Business" - "Personal Air Banking" - "Online Application for Air Loans" to submit information, or directly; enter your loan needs and contact information; and then An air loan manager will contact you to accept your loan application.
No.
The formal bank process is: First, the borrower needs to submit a series of materials other than ID card to the bank, including
(1) Loan application approval form; (Lender Fill it out directly at the lending institution)
(2) Proof of residential address; (certificate issued by the neighborhood committee or invoice for water and electricity bills paid)
(3) Proof of work and income;
p>(4) Other information specified by the bank.
Secondly, after the bank verifies the application materials submitted by the borrower, the two parties sign a loan contract.
Finally, the bank issues the loan to the borrower by transfer. Is Xiangxiang's small loan a usury?
Whether it is a usury depends on the borrower's loan interest. If it is higher than the market, it is a usury. Are small loans usury?
Small loan application conditions:
1. Be a resident of mainland China who is over 18 years old;
2. Have a stable Address and place of work or business;
3. Have a stable source of income;
4. No bad credit record, and the loan cannot be used for stock trading, gambling, etc.
5. Other conditions required by the bank.
Small loan application process:
1. Submit an application to the local bank or lending institution;
2. Prepare various materials required for the loan;
3. Interview with a bank or lending institution;
4. The bank audits the lender’s qualifications;
5. Passes the audit and successfully lends money. How to borrow money with high interest rates? How to get a small loan
Do you want to take out a loan with a high interest rate? If you are short of money, you can apply for a loan on Touna.com. The interest rate is not high and within the acceptable range.
Don’t borrow money from loan sharks! Gannan Prefecture small loans, small loan sharks?
Don’t look at the places you want to support:
According to the list of difficult and remote areas issued by the State Council [2001] No. 14 (***659 counties, cities, districts)
There are 984 counties and cities in total. Since 2001, some county and city categories have been reclassified for reference only
1. Xinjiang (99 counties, cities, districts)
Area A (7)
Urumqi City
Shihezi City
Changji Prefecture: Changji City, Fukang City, Miquan City, Hutubi City County, Manas
Region type (17)
Karamay City
Turpan region: Turpan City, Shanshan County, Toksun County
p>Hami? Region: Hami City
Qitai County, Jimusar County, Changji Prefecture
Kuitun City, Ili Prefecture
Yili Region, Yili Prefecture : Yining City, a city in Yining County
Yili Prefecture Tacheng area: Wusu City, Shawan County
Bayingolin Prefecture: Korla City, Yanqi County, Heshuo County Bohu County
Aksu City, Aksu Region
Three regions (29)
Barkol County, Hami Region
Changji Prefecture : Mulei County
Yili, Yili region: Tekes County, Nileke County, tsabou Xueer County, Huocheng County Gongliu
Xinyuan County
Tacheng, Tuoli County, Tacheng City, Emin County in Ili Region
Altay Region of Ili Prefecture: Bulinjin County, Fuhai County, Habahe County in Altay Region
Bortala: Bole City, Jinghe County
Bayingolengzhou: Yuli County, Luntai County, Hejing County
Wensu County, Aksu Prefecture, Kuqa County, Shaya County, Xin County, Baicheng, Awati
Kashgar: Kashgar City, Shufu County, Shule County
Four regional types (32)
Yiwu County, Hami Region
Yili Region: Zhaosu County
Bayingolengzhou: Qiemo, Ruoqiang County
Kizilsu: Aheqi County, Wuqia County, Artush City, Akto County
Kashgar Region: Taxkorgan County
Hotan Region: Minfeng County
Aksu Region: Wushi County
Fuyun County, Qinghe County, Jimunai County, Altay Region, Ili Prefecture
Tacheng, Yumin County and Buxai County, Ili Region Er County
Bortala: Hot Spring County
Keping County, Aksu Region
Pishan County, Moyu County, Luopu County, Ce Le County, Yutian County, Hotan City (including Hotan County, Xinjiang)
[Change]
? Two areas are adjusted to three types (16)
? Ili Kazakh Autonomous Prefecture, Tacheng Prefecture, Tacheng City, Emin County
? Ili Kazakh Autonomous Prefecture Qapqal Xibo Autonomous County, Huocheng County Gongliu, Xinyuan County
? Jinghe County, Bole City, Bortala Mongolian Autonomous Prefecture
? Luntai County and Jing County, Bayingoleng Mongolian Autonomous Prefecture
? Wensu County, Kuqa County, Shaya County, Xin County, Baicheng, and Awati in Aksu Region
Two are adjusted to four types of distinctions (1)
? Wushi County, Aksu Prefecture
Three types of districts were adjusted to four types (23)
? Fuyun County, Altay Prefecture, Ili Kazakh Autonomous Prefecture, Jimunai County, Qinghe County, Ili Kazakh Autonomous Prefecture, Yumin County, Tacheng Prefecture, and Buxel
? Mongolian Autonomous County Bortala Mongolian Autonomous Prefecture Wenquan County
? Keping County, Aksu Prefecture
? Atush City, Akto County, Kizilsu Kirgiz Autonomous Prefecture
? Yingjisha County, Zepu County, Shache County, Yecheng County, Maigaiti County, Yuepuhu County, Jiashi County and Bachu County in Kashgar
? Hotan Prefecture Pishan County, Moyu County, Luopu County, Cele County, Yutian County, Hotan City (including Hotan County, Xinjiang)
Qinghai (39 counties, cities, districts)
Regional type (8)
Xining City, Huangzhong County, Huangyuan County Cities (including counties)
Haidong Region Minhe County Pingan County, Ledu County, Huzhu County, Xunhua County
Three regions (16)
Haidong region: Hualong County
Hainan Prefecture:
Guinan County, Guide County, ***he County, Tongde County, Xinghai County
Thinking about:
Dulan County, Ulan County, Golmud City , Delingha
Haibei:
Menyuan County, Qilian County, Gangcha County, Haiyan County
Huangnan:
Tongren County, Jianzha County
Four regional types (15)
Haixi Prefecture: Tianjun
Huangnan Prefecture Zeku County, Henan County
Yushu: Yushu County, Chengduo County, Nangqian County, Qumalai, Zhiduo County and County Miscellaneous
Goluo Prefecture: Maqin County, Gande County, Da Ri County, Maduo County, Banma County, Long Time County
Inner Mongolia Autonomous Region (92 counties, cities, districts)
District A (45)
Xing'an League Ulanhot City, Keyou Front Banner Right Wing Middle Banner, Tuquan County Zhalaiteqi, Aershan
Tongliao City Horqin District, Kailu County Kezuo Middle Banner, Kezuohou Banner, Naiman Banner , Kulun Banner Qi, Zalut Banner, Holingol City
Chifeng City Songshan District, Yuanbaoshan District, Aruhorqin Banner, Bahrain Left Banner, Bahrain Right Banner Linxi County, Keshiketeng Banner, Weng Niute Banner, Haraqin Banner, Ningcheng Aohan Banner
Ulanqab City: Jining, Observation Right Front Banner, Fengzhen, Liangcheng County, Xinghe County Zhuozi County
Hohhot: suburbs, Tumed Left Banner, Tuoketuo County
Guyang County, Shiguai Tumed Right Banner, Jiuyuan District, Baotou City:
Yike Zhaomeng : Dalate Banner, Dongsheng City
Bayannur League Dengkou County, Linhe City, Wuyuan County, Wulateqian Banner
Wuhai City
Type area (36)
Hulunbuir: Hairlar, Manzhouli, Zhalantun City, Yakeshi City, Alen,
Molidawa Banner, Ewenki Banner
p>Xilingol League: Taipusi Banner, Duolun County, Monitoring Flag, Bordered Yellow Flag, Positive Bordered White Flag
In Sunit Left Banner, West Ujimqin Banner, East Ujimqin Banner , Abagaqi
Erenhot, Sunit Right Banner, Xilinhot City
Police Right Banner, Ulanqab: Police Right Back Banner, County, Siziwang Banner, Commercialized De County
Ikezhao League Zhungar Banner Yijinhuoluo Banner Etuoke Banner, Wushen Banner, Hangjin Banner, Etuokeqian
Bayannaoer League Hangjin Hou Banner
Hohhot: Lin Geer County, Qingshuihe County, Wuchuan County
Baiyun District, Baotou City, Damao Banner
Three regions (11)
Hulunbuir: Genhe, Ergun City, Oroqen Banner, New Baltic Tiger Left Banner
New Baltic Tiger Banner, Chen Balhu Banner
Bayannur League Urad Middle Banner, Urad Back Banner
Alxa League Alxa Left Banner, Cosby, Ejina Banner
Fourth, Ningxia (26 counties, cities, districts)
Region: (16)
Yinchuan City (including Yinchuan City): Xingqing District, Jinfeng District, Xixia District, Lingwu, Yongning County, Helan County
Shizuishan City (including Ningxia Shizuishan): Dawukou District, Pingluo County rural areas benefit<
/p>
Wuzhong City (including Wuzhong): Litong District, Qingtongxia
Zhongwei City (including Zhongwei City): in the county
Three aspects: (10)
Wuzhong City Yanchi County, Tongxin County, Hongsibao Development Zone
Guyuan City (including Guyuan City): Yuanzhou District, Xiji County, Longde County, Jingyuan County, Peng Yang County
Haiyuan County, Zhongwei City
5. Gansu Province (83 counties, cities, districts)
Category A (14)
Lanzhou City Honggu
? Baiyin District, Baiyin City
? Qinzhou District, Tianshui City, Maiji
Xifeng, Qingyang City, Qingcheng, Heshui County, right? County, county
? Pingliang City Kongtong District, Jingchuan County, Lingtai County, Chongxin County Huating County
?
Type II (40)
? Yongdeng County, Gaolan County, Yuzhong County, Lanzhou City
? Jiayuguan City
? Jinchuan District, Jinchang City, Yongchang County
? Jingyuan County, Pingchuan District, Baiyin City, Jingtai County
? Qingshui, Qin'an, Gangu County, Wushan County, Tianshui City
? Liangzhou District, Wuwei City
? Suzhou District, Jiuquan City, Yumen City, Dunhuang City
? Ganzhou District, Zhangye City, Linze County, Taiwan County, Shandan County
? Given the Anding District of Dingxi City, Tongwei County, Lintao County, Zhang County, Min County, Weiyuan County, Longxi County
? Wudu District, Longnan City, Cheng County, Dangchang County, Kang County, County, Xihe County, Li County, Liangdang County, Hui County
? Linxia City, Yongjing County, Linxia Hui Autonomous Prefecture
? Category Three (18)
? Zhangjiachuan Hui Autonomous County, Tianshui City
? Wuwei Minqin County, Laguna County
? Jinta County, Jiuquan City, Guazhou County
? Zhangye City: Minle County
? Huan County, Huachi, Zhenyuan County, Qingyang City
? Pingliang City: Zhuanglang County, Jingning
? Linxia Hui Autonomous Prefecture Linxia County, Kangle County, Guanghe County, Hezheng
Gannan Tibetan Autonomous Prefecture Lintan County Diebu, Zhouqu County,?
? Category Four (9)
? Tianzhu Tibetan Autonomous County, Wuwei City
Kazakh Autonomous County, Subei Mongolian Autonomous County, Jiuquan City,?
? Sunan Yugu Autonomous County, Zhangye City
? Linxia Hui Autonomous Prefecture Dongxiang Autonomous County, Jishishan Baoan Dongxiang Salar Autonomous County
? Hehe City, Zhuoni County, Xiahe County, Gannan Tibetan Autonomous Prefecture
? Five (2)
Maqu County, Luqu County, Gannan Tibetan Autonomous Prefecture
Six, Yunnan (98 counties, cities, districts)
Area ( 45)
Kunming: Dongchuan District, Xundian County, Shilin County and Luquan
Zhaotong: Shuifu County, Ludian County, Yanjin County, Daguan County, Zhaotong City.
Zhenxiong County, Yiliang County, Weixin County
Qujing City, Xuanwei City, Huize County, Fuyuan County, Luoping County, Shizong County
Yuxi City: Hua County, Yimen County
Shiping County, Luxi County, Honghe Prefecture
Wenshan County, Yanshan County, Qiubei County, Guangning County, Wenshan Prefecture
Simao area: Simao City, Pu'er County, Jinggu County, Zhenyuan County, Jingdong County
Chuxiong: Shuangbai County, Nanhua County, Dayao County, Yongren County, Yuanmou County, Wuding County
Dali Prefecture Yangbi, Binchuan County, Yongping County, Yunlong County
Baoshan District: Changning County
Fengqing County, Lincang Prefecture, Yun County, Lincang County, Yongde County
Type area (42)
Qiaojia County, Yongshan County, Suijiang County, Zhaotong City
Malong County, Qujing City
Yuxi City, Ashan County, Xinping County, Yuanjiang County
Honghe Prefecture, Pingbian County, Pujiang County, Jinping, Yuanyang County, Honghe County, Luchun County
Wenshan Prefecture Malipo County, Maguan County, Funing County, Xichou County
Simao Prefecture Jiangcheng County, Lancang County, Menglian County, Mojiang County
Jinghong City, Xishuangbanna, Mengla, Menghai County
Xiangyun County, Nanjian County, Weishan County, Eryuan County, Jianchuan County, Heqing, Dali Prefecture
Baoshan District: Tengchong County, Longling County
Luxi City, Lianghe County, Yingjiang County, Longchuan County, Ruili City, Dejuji Prefecture
Zhenkang County, Lincang Prefecture
Yongsheng County, Huaping County, Ninglang, Lijiang County in Lijiang Region
Three regions (8)
Simao Region: Western Union County
p>
Lanping County, Fugong, Gongshan County, Lushui County in Nujiang Prefecture
Shuangjiang County, Gengma County, Cangyuan County in Lincang Prefecture
Four Regional types (3)
Zhongdian County, Weixi County, Deqin County, Diqing Prefecture
Seven, Guizhou (66 counties, cities, districts)
Area A (39)
Kaiyang County, Xiuwen County, Xifeng County, Guiyang City
Liupanshui City: 6 special zones, Panxian County
Zunyi City: Chishui City, Xishui County, Daozhen County
Anshun City: Puding County
, Dushan County in southern Guizhou, Guiding County, Longli County, Huizhou Shui County, Changshun County
Southeast Guizhou: Kaili Huangping, Majiang, Shibing Zhenyuan, Sansui County, Cengong County and Ping County
Bijie City, Dafang County, Bijie Prefecture, Qianxi County, Jinsha County, Zhijin County
Tongren area: Songtao County, Marushan, Shiqian County, Yinjiang County, Sinan County
Xingyi City, Qianxinan Prefecture , Xingren, Zhenfeng, Anlong County, Qinglong County, Pu'an County
Type area (27)
Shuicheng County, Liupanshui City, Zhongshan terrain
Tongzi County, Zunyi City, Renhuai City, county services
Zhenning County, Anshun Region, Ziyun County, Guanling County
Pingtang County, Libo, Luodian, Sandu, Qiannan Prefecture Counties
Southeast Guizhou: Tamchai County, Leishan County, Liping County, Rongjiang County, Congjiang County, Jianhe County, Taijiang County, Tianzhu County
Nayong County, Bijie Prefecture , Weining County, Hezhang County
Dejiang County, Tongren Prefecture, Yan County
Wangmo County, Ceheng County, Southwest Guizhou
Eight, Guangxi (51 counties , city, district)
Area (30)
Nanning area: Shanglin County, Mashan County, Longan County, Tiandeng County, Chongzuo County, Fusui County
Liuzhou area: former Wuxuan County, Rong'an County, Xincheng County
Hezhou area: Zhaoping County, Fuchuan County
Baise area: Tianyang, Tiandong, Baise City County, Pingguo County, Debao County, Tianlin County
Hechi: Hechi City, Yizhou City, Nandan County, Tian'e County, Luoping County, Huanjiang County, Donglan County
Guilin: Guanyang Ziyuan County, Gongcheng County
Wuzhou City: Mengshan County
Fangchenggang City: Shangsi County
Type area ( 21)
Nanning region: Daxin County, Longzhou County, Ningming County, Pingxiang County
Liuzhou region, Jinxiu County, Sanjiang County, Rongshui County,
Leye County, Jinxi County, Napo, Lingyun, Longlin County, Xilin, Baise Prefecture
Hechi City: Fengshan, Bama County, Dahua Yao Autonomous County, Duan
Guilin: Longsheng Autonomous County
Fangcheng District, Dongxing, Gang District, Fangchenggang City
Nine, Sichuan (56 counties and cities)
Sichuan List of counties in difficult and remote areas of the province
Guangyuan City: Air District, Wangcang County, Qingchuan County
Luzhou City, Xuyong, Gulin
Yibin City, Jun Lian County, Gong County, Xingwen County, Pingshan County
Bazhong City: Tongjiang County, Nanjiang County
Dazhou City: Wanyuan City, Xuanhan County
Ya'an City: Yingjing County,
Shimian County, Tianquan County, Hanyuan County, Lushan County, Baoxing County
Mianyang City, Beichuan County, Pingwu County
Panzhihua City: East District, West District, Renhe District, Miyi County, Yanbian County
Leshan City, Ebian County, Mabian County, Jinkouhe District
Aba Prefecture : Wenchuan County, Li County, Mao County, Jiuzhaigou County, Markang County, Songpan County, Jinchuan, Xiaojin, Heishui County, Tuotang County, Hongyuan County, Aba Prefecture, Ruoergai County,
Liangshan Prefecture Huili County, Dechang County, Xichang City will be in Brook County, Dong County, Ningnan County, Xide County, Mianning County, Yanyuan County, Yuexi County, Ganluo County, Leibo County, Drag County, Zhaojue County , Bu County, Muli County of Meigu County
Garze Prefecture: Luding County, Kangding County, Danba County, Jiulong County, Daofu, Luhuo County, Xinlong County, Dege County, Bai County, Batang County, Township, County, Yajiang County, Garze County.
Daocheng Derong County, Shiqu County, Seda County, Litang County
District A (9)
Panzhihua City Miyi County, East District, West District, Renhe District
Liangshan Prefecture: Xichang City, Dechang County, Li County, Dong County, Ningnan County
Regional type (7)
Liangshan Prefecture: Brooke County, Xide County Mianning County, Yuexi County
Aba Prefecture: Wenchuan County, Li County, Maoxian County
Three regions (10)
Panzhihua City: Yanbian
Mabian County, Ebian County, Leshan City, Jinkouhe District
Xiaojin, Jiuzhaigou County, Aba Prefecture
Liangshan Prefecture: Yanyuan County, Ganluo County, Leibo County
Ganzi Prefecture: Luding County
Four regional types (30)
Aba: Jinchuan, Songpan County, Heishui County, Malkang County, Soil County Tang County, Aba Tibetan and Qiang Autonomous Prefecture,
Hongyuan County, Zoige County
Garze Prefecture: Kangding County, Danba County, Jiulong County, Yajiang County, Daofu, Luhuo County
Garze County, Xinlong County, Dege County, Baiyu County, Shiqu County, Seda County, Litang County,
Batang County, Township, County, Daocheng Derong
Muli County, Butuo County, Liangshan Prefecture, Meigu County, Zhaojue County
10. List of subsidies and categories in difficult and remote areas in Heilongjiang Province (***104 counties , city, district) scope
Category A (32)
Harbin: Shangzhi City, Wuchang City, Yilan County, Fangzheng County, Bin County, Bayan, Mulan, Tonghe , extend life
Qiqihar City, Longjiang Town, Yi'an County, Fufu County
Daqing City, Zhaozhou, Zhaoyuan, Lindian County
Yichun City Tie Li City
Fujin, Huachuan, Jiamusi City, Huannan County, Tangyuan County
Youyi County, Shuangyashan City
Qitaihe City: Boli
Mudanjiang City Hailin, Ning'an, Linkou
Suihua City Beilin District, Anda City, Helen King Kuixian, Qinggang County Qing'an County, Suiling County
Type II ( 67)
Jianhua District, Longsha, Tiefeng District, Angangxi District, Fulalji District, Nianzishan District, Meris Daur Nationality, Nehe City, Gannan, Keshan, Kedong County, Qiqihar City , Baiquan County
Aihui District, Heihe City, Bei'an City, Wudalianchi City, Nenjiang County
Daqing City Duerbot Mongolian Autonomous County
Yi Spring City, Yichun District, Nancha District, Youhao District, Xilin, Green Mountain, Xinqing, Meixi, Jinshantun Wuying, Wumahe District, Tangwanghe District, Yuling, Wuyiling District, Hongxing District, Shangganling, Jiayin County
Xingshan District, Hegang City, Xiangyang, workers and farmers, Nanshan District, Xing'an District, Dongshan District, Luobei, Suibin Xi'an
Jiamusi City: Tong Jiang City, Fuyuan County
Shuangyashan City, Jianshan District, Lingdong District, Sifangtai, Baoshan District, Jixian, Baoqing, Raohe County
Taoshan District, Qitaihe City, Xinxing District, Qingzihe District
Jixi City Jiguan, Hengshan District, Didao District, Lishu District, Chengzihe District, Mashan, Hulin City, Mishan City, Jidong County
Mudanjiang City, Muling City, Suifenhe City, Dongning County
Suihua City: Lanxi City, Mingdixian
Three type areas (5)
Heihe City Xunke County, Sunwu County
Huma, Tahe County, Mohe County in Daxinganling Region
On the 11th, 11 counties (cities) in Jilin Province
Type area (11)
Jingyu County, Fusong County, Changbai County, Baishan City
Tumen City, Longjing City, Helong City, Wangqing, Antu County, Yanbian Prefecture, Hunchun City, Dunhua City, Yanji City
The 12th Shaanxi (8 counties)
District A (8)
Ningqiang County, Hanzhong City, abbreviated Yang County
Yan'an City
Wuqi County, Zhidan County
Yulin City Shenmu County, Hengshan County, Jingbian County, Dingbian County
Thirteen, Chongqing (10 counties)
Area (4)
Fengjie County, Wushan County, Wuxi County, Wulong County
Regional Type (6)
Shizhu County Peng Shuixian County, Youyang County, Xiushan County, Chengkou County, Qianjiang County,
Fourteenth, Hunan Province (14 counties, cities, districts)
Category A (6)
Sangzhi County, Zhangjiajie City
Yongzhou: Jianghua Yao Autonomous County
Shaoyang City Chengbu Miao Autonomous County
Huaihua City Mayang Miao Autonomous County , Xinhuang Dong Autonomous County, Tongdao Dong Autonomous County
Type II (8)
Tujia and Miao Autonomous Prefecture Jishou City, Luxi County, Fenghuang County, Huayuan County, Baojing, Guzhang County Yongshun County, Longshan County
15, Hubei Province (8 counties, cities, districts)
Regional type (8)
Enshi Tujia Enshi City, Lichuan, Jianshi County, Badong County, Xuanen County, Miao Autonomous Prefecture
Xianfeng, Laifeng County, Hefeng
On the 16th, Shanxi Province (44 counties, cities , District)
Category A (41)
Taiyuan City: Loufan County
Datong City Yanggao County, Lingqiu County Hunyuan County, Datong County
Pinglu, Shuozhou City
Changzhi City: Pingshun County, Huguan County, Wuxiang County, Qin County
Jincheng: Lingchuan County
Xinzhou City Wutai County, Dai County, Fanzhi County, Ningwu County, Jingle County, Shenchi County, Wuzhai County, Kelan County, Hequ County, Pianguan Baodexian
Jinzhong City Yushe County, Zuoquan County, Heshun County
Linfen City: Gu County, Anze County, Fushan County, Ji County, Yonghe County, Xi County, Fenxi County
Luliang City: County, Xingxian, Linxian, Fangshan, Liulin County, Yilan County, County Junction, Shilou County
Two 3 types)
Datong: Guangling County, Tianzhen,
Youyu County, Shuozhou City
The Ministry of Finance "Improves the implementation of the subsidy system for difficult and remote areas. In accordance with human resources and social security, there are 984 counties , the implementation of cities and districts, the scope of subsidies in difficult remote areas includes, the monthly allowance is: 120 yuan, 215 yuan for 65 second-class districts in the first class, 370 yuan, 640 yuan for the third class districts, 370 yuan for the fourth class, 950 yuan for the fifth and sixth districts Yuan District. Are small loans in Shenzhen usurious?
It is recommended to borrow through formal channels to avoid interest compounding and being deceived.
There are no handling fees for bank loans. Customers are advised to screen carefully and beware of fraud.
The Agricultural Bank of China has different loan policies for different loan purposes. Please consult the local Agricultural Bank of China for details.
Agricultural Bank of China currently offers services such as salary loans and online loans for small consumer loans.
Wangjie Dai refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions. Customers can apply for it by themselves, receive it quickly, and use their credit by themselves.
"Salary Loan" is a RMB loan issued by the Agricultural Bank of China to high-quality individual customers with good credit on a credit basis, with the individual's stable salary income as the repayment guarantee, and is used to meet consumer needs. Salary loans may not be used for purposes prohibited by relevant national laws, regulations and credit policies.
Currently, NetJie Loan can be applied for through personal online banking and mobile banking (currently only second-generation K-Bao customers are supported), with automatic approval and fast payment.
If you hold an Agricultural Bank of China savings card, you can log in to mobile banking and click "All → NetJie Loan → Apply Now"; you can also log in to personal online banking and click "Loan → NetJie Loan → Apply Now" Go to the application page.
The maximum loan amount is 300,000 yuan, and the minimum is 3,000 yuan; the customer's specific limit will be determined based on the customer's business situation in Agricultural Bank of China.
The loan term of Wangjidai does not exceed one year and can be repaid in advance.
NetJiedai loan items:
(1) Customers of our bank who have unpaid personal housing loans (referred to as "mortgage customers").
(2) Customers who pay housing provident fund on time (referred to as "provident fund customers").
(3) Customers who pay social insurance on time (referred to as "social security customers").
(4) Our bank’s payroll agency clients (referred to as “salary agency clients”).
(5) Other customers who meet our bank’s conditions and hold our bank’s debit cards (referred to as “debit card customers”).
If you need an overdraft cash for urgent use, it is recommended that you try to apply for an Agricultural Bank of China credit card. If you are over 18 years old, have a good credit record, and have legal, sufficient, and stable income or assets, you can try to apply.
Necessary application materials include identity documents and proof of income. If you can provide more proof of repayment ability, it will be helpful for applications with higher amounts.
Application method:
You can bring relevant materials to the Agricultural Bank of China branch to apply. The approval time is about 30 days.
If you are a customer of Agricultural Bank of China’s mobile banking or personal online banking, you can apply through online banking or mobile banking. The approval time is approximately 7 working days.
Click Personal Services - Credit Card - I want to apply for a card through the official website of the Agricultural Bank of China, and apply online. This application requires an interview, and the approval time is about 30 days after the interview. Asking for advice on small loans and loan sharking issues
Need to prepare information:
1. Personal identity certificate: ID card, residence permit, household register, marriage certificate and other information;
2. Provide proof of stable address: such as house rental contract, water and electricity payment slip, property management and other related proofs;
3. Provide proof of stable source of income: bank statement, labor contract, etc.;
4. Other information specified by the bank.