Borrowing money from ABC's credit card is equivalent to withdrawing cash by credit card. Generally, the common methods are as follows:

1. Counter handling:

Cardholders can bring their credit cards to the business hall of ABC, apply to the staff for withdrawing cash, and then fill in the application form, and withdraw cash after approval.

2. atm processing:

Cardholders can take their credit cards to the bank atm, insert the credit cards according to the prompts, enter the password, and then select the withdrawal operation to withdraw cash. How to get a personal loan from Agricultural Bank of China

Application procedures

1. Sign the subscription book: The customer signs the subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the review is unqualified, return the customer information and the fees charged;

4. other legal procedures: the law firm handles insurance, notarization and mortgage registration and filing of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and informs the customer to start mortgage payment.

fast processing

1. Personal credit loan. To apply for personal credit loans from banks, it is only necessary for the loan applicant to have a stable job and income. The general loan amount is between 1, and 5, yuan, and the maximum loan period is 5 years. Usually, the loan can be released within one working day after the bank's audit data is passed, which is a quick loan scheme with no mortgage and simple operation.

2. Real estate mortgage loan. Property mortgage refers to the mortgage of one's own property to a bank in exchange for a loan from the bank. Real estate mortgage loan will not affect the right to live in real estate, nor will it affect the quality of life. This loan scheme has a long repayment period and a high loan amount, which is a good choice for enterprises and individuals to seek large sums of money.

3. The mortgaged property can be mortgaged again. When buying a house, the property that has been mortgaged, or the property that has been mortgaged, can be reassessed according to the current market price, and can apply for a second bank mortgage loan again. Lenders can apply for loans by providing corresponding loan application materials.

Extended information:

Repayment method

1. Repay the loan in equal installments according to the signed payment contract. Customers should take the initiative to deposit their monthly loan principal and interest in their house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. prepayment: the customer should apply to the bank one month in advance, which can exempt the loan interest at the advanced time, but the interest rate is still at the same period of the original loan term.

Calculation of loan repayment:

For the repayment of individual housing loans, if the loan term is less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; If the loan term is more than one year, the equal repayment method will be implemented, and the principal and interest of the loan will be repaid in monthly installments.

for individual housing loans, the borrower can repay the loan in advance after obtaining the consent of the lender. The borrower can choose the following two ways to repay the loan in advance: after the loan expires for one year, the borrower can apply to repay the outstanding loan principal and interest in advance at one time.

the borrower applies for partial prepayment, and collects several repayable loans within the whole loan term into one installment for repayment. The remaining unpaid loans can be handled by shortening the original agreed loan repayment period, or keeping the original agreed loan repayment period unchanged and reducing the monthly repayment amount.

loan fee

(1) lawyer's examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a buyer, other people have to make a statement on whether they agree to mortgage the house to the bank, and this statement needs notarization.

(3) Property registration fee. After getting the real estate license, the property buyers should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower should apply for property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance premium rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, authentication fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining the loan from the bank shall be borne by you. How to borrow credit card loans from Agricultural Bank of China? Knowing this is not difficult to get money!

The four state-owned banks have always been very tall in the hearts of China people. Many people will give priority to the four major state-owned banks when saving money or lending money. Now, there are many people who apply for credit cards in the Agricultural Bank. Some of them will have the idea of getting a loan through ABC's credit card. Then, how to borrow ABC credit card loans? I'd like to introduce the relevant contents here today. There are many types of credit card loan products of ABC, such as cash installment, bill installment, consumption installment, automobile installment, merchant installment and online installment. Here, taking cash installment and consumption installment as examples, let's talk about how to borrow credit card loans from ABC.

cash installment cash installment mainly provides cash loans to cardholders, with the amount starting from 2, yuan and capped at 5, yuan. There are four loan periods: 3, 6, 9 and 12. Let's take a look at how to borrow by cash installment: 1. ABC credit card holders fill out the cash installment application form at ABC's business outlets; 2. Provide your own ABC debit card as a collection and repayment account; 3. Withdraw cash or transfer consumption directly from the debit card of ABC.

People who spend RMB above 5 yuan, or USD, EUR, AUD and 5 yuan through the credit card of Agricultural Bank of China can apply for consumption installment, and the period can be as long as 24 installments. You can apply for credit card loan installment of ABC through WeChat, online banking, telephone, SMS and pocket banking. WeChat application steps: Pay attention to "Agricultural Bank Credit Card" on WeChat → click "Apply for Staging" in "My Kaka". Online banking application steps: after logging in to online banking → select credit card → enter installment management → select consumption installment. The above is the content about how to borrow ABC credit card loans. I hope everyone has learned to use ABC credit card to handle loans. How to borrow a credit card loan from Bank of Communications? All the useful methods are here! How to borrow CITIC credit card loans? Everyone knows this! How to get a loan in an agricultural bank card?

It is suggested that you can apply for loans through regular banking channels, such as ABC's "Netjet Loan". The following are the conditions for applying for NetJet loan. I suggest you judge whether you can apply according to your own situation.

First, the basic conditions for applying for online loan:

1. At least 18 years old and not more than 6 years old, with Chinese nationality and full capacity for civil conduct.

2. Hold legal and valid identity documents.

3. We are e-banking customers and have security authentication tools issued by our bank. (At present, only second-generation K-Bao customers are supported, and K-Order can be supported for Jiedai repayment of Zhangyin.com.. )

4. The credit status is good, and there are no bad credit records in the credit report:

(1) There are no overdue loans and overdue credit card overdrafts when applying for loans;

(2) There are no overdue records for more than 3 consecutive days in the last 24 months, and the cumulative overdue times are no more than 4 times;

(3) There is no asset disposal, guarantor's compensation or bad debts, and there is no record of tax arrears, enforcement or administrative punishment that has not been revoked;

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

5. there is no unexpired loan line and no outstanding loan balance.

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

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

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

1. Mortgage customers: ① The repayment time of the associated personal housing loan has exceeded 24 months (inclusive); ② The related real estate is not in the area where the house price is declining, the supply exceeds demand or the non-performing rate of personal housing loans of the Bank is high; (3) If the related property is a villa or other large-sized apartment, the borrower shall be other than a private owner.

2. Provident fund customers: ① The borrower's credit report has information on the deposit of provident fund 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 The borrower's credit report has social insurance deposit 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. Payroll paying customers: ① The borrower has paid wages in our bank for more than one year (inclusive); (2) customers who pay wages must meet the access conditions of the "loan with salary" unit; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.

5. Debit card customers: ① Debit card transactions have been recorded for more than 2 years (inclusive); (2) the annual transaction flow, transaction frequency and other conditions meet the requirements; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.

(Answer time: April 15, 221. In case of business changes, please refer to the actual situation. )