What are the loan products of Agricultural Bank of China? Summary of Agricultural Bank of China's loan business

Agricultural Bank of China is one of the four major banks in China and has many loan products. In addition to the characteristic agriculture, rural areas and rural services, there are also many special business sectors in terms of personal and corporate services. These loan products are summarized below. You can learn about them first and choose the most suitable products for you.

What are the loan products of Agricultural Bank of China?

1. Agricultural Bank of China’s personal loan products

Personal loan products—Anju Hershey Loan Series

Among Agricultural Bank of China’s loan products, the Anju Hershey Loan series include: Personal first-hand housing loan, personal second-hand housing loan, personal housing and provident fund combination loan, personal housing revolving loan, replacement personal housing loan, personal housing direct-to-customer loan, personal housing non-transaction remortgage loan, personal housing relay loan, personal housing Loan "Repayment Holiday Scheme".

Personal loan products—Consumer Hershey Loan Series

Among Agricultural Bank of China’s loan products, the Anju Hershey Loan series include: salary loans, personal car loans, national student loans, Consumer loans (that is, personal consumption guaranteed insurance loans), study abroad loans, commercial student loans and home improvement loans.

Personal loan products—Entrepreneurship Hershey Loan Series

The Entrepreneurship Hershey Loan series among Agricultural Bank of China’s loan products include: personal business loans, personal first-hand commercial housing loans, personal Second-hand commercial housing loans and Wangpu loans.

Personal loan products - special loan series

The special loan series of Agricultural Bank of China’s loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, Kajie loan Loans, deposits and loans, second-hand housing transaction fund custody, personal self-service revolving loans, personal financial products, balloon loans (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum upon maturity) and individuals.

2. Agricultural Bank of China corporate loan products

Financing and credit: fixed asset loans, working capital loans, revolving line of credit, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantees Commitment and entrustment of joint loans.

Small and micro enterprise services: Jianshidai (simple quick credit business for small businesses), Zhidongdai (self-service revolving loans for small businesses), Account Receivable Pledge Financing business for small businesses ), factory loans (industrial housing mortgage loans for small and micro enterprises), and some corporate loan financing services with local characteristics, such as small business multi-family joint guarantee (Henan Branch), intellectual property rights (Guangdong Branch), Jinketong (Jiangsu Branch) Branch), accounts receivable financing under credit insurance (Beijing Branch).

3. Agricultural Bank of China loan products

Three rural personal products: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers, farmers in earthquake-stricken areas, and rural personal production and operation loans.

Products for rural areas and farmers: financial services for Huinong special products, including financial credit insurance business for agricultural industrialization cluster customers, seasonal acquisition loans, county commodity circulation market construction loans, fertilizer off-season commercial reserve loans, rural and urban loans Chemical loans, rural infrastructure construction loans, farmers' professional cooperative working capital loans (Fujian Branch), forest resource asset mortgage loans (Fujian Branch), and general financial services include revolving credit lines and working capital loans.

The above is the "Summary of Agricultural Bank of China's Loan Business" introduced to you. I believe everyone has a certain understanding of Agricultural Bank of China's loan products! For more details, please visit your local ABC branch.

Can I get a loan with an Agricultural Bank of China credit card?

Question 1: Can I get a loan with an Agricultural Bank of China credit card? You can apply for it at a local bank.

Application conditions:

1. Be a resident of mainland China who is over 18 years old;

2. Have a stable address and work or business location; 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.

Process:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for a loan;

3. Interview with a bank or lending institution;

4. The bank will review the lender’s qualifications;

5. The review will be approved and the loan will be granted successfully.

Question 2: Hello, can I get a loan with an Agricultural Bank of China credit card? Can. Generally speaking, "applying a credit card with a credit card" is easy to be approved by the bank, but the applicant must also meet the following conditions:

1. The application must hold a credit card from another bank.

2. The credit card limit held by the applicant is at least 5,000 yuan. Because the limit is small, the bank will think that the cardholder has poor credit or limited repayment ability.

3. The applicant has no bad credit record, that is to say, there is no overdue repayment.

4. In addition, if you want to obtain a credit card with a large limit, it is best to submit some other valid financial proof materials when applying for a credit card.

Question 3: How does Agricultural Bank of China use credit card loans? The bank’s credit card business and loan business are two different businesses. If you need 10,000 yuan and the credit limit is 10,000 yuan, just swipe the card directly for consumption. Yes; if your credit limit is not enough, you can get a mortgage loan and a personal consumption loan. This needs to be done at the personal loan department of the bank.

For specific procedures, you can directly call the Agricultural Bank of China’s customer service hotline 95599.

Question 4: Can I get a loan if I have an Agricultural Bank of China credit card? Yes, credit card loans refer to bank loans based on credit card holders. A certain limit is given to a person's credit status, and the cardholder can use the credit card to make purchases.

Question 5: Can I get a loan with an Agricultural Bank of China credit card? Hello!

You cannot apply for a loan with just a credit card.

Information required for loan:

1. Valid ID card and household registration book of the borrower;

2. Proof of marital status, if unmarried, a certificate of celibacy is required , If you are divorced, you need to issue a civil mediation letter or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse’s valid ID card, household registration book and marriage certificate;

4. Proof of income of the borrower (certificate of salary income for six consecutive months or local tax certificate);

5. Property ownership certificate of the property;

6. Guarantor (required Provide ID card, household register, marriage certificate, etc.)

Note:

1. You must have collateral to get a loan, and the loan amount and the total interest during the loan period It cannot exceed 1/2 of the appraised value of the collateral; 2. Have a long-term and stable source of income that is sufficient to pay the monthly loan principal and interest;

3. Guarantor;

4. Borrower Age limit: The loan period for men should not exceed 60 years old, and the loan period for women should not exceed 55 years old;

5. Customers who have entered the credit system's blacklist cannot apply for loans;

Loans require payment of attorney witness fees, mortgage registration fees, mortgage property insurance premiums, property appraisal fees, etc.

Generally, it takes about 1 month to get a loan.

Process:

1. Submit a loan application to the bank,

2. The bank accepts it Afterwards, evaluate the value of the mortgaged property and determine the loan amount based on the evaluated value;

3. Open a personal current deposit account, sign a loan contract, etc.;

4. Handle real estate mortgage Registration matters;

5. Bank lending.

Question 6: Can the Agricultural Bank of China credit card be used for loans? Yes, you can also bind it to WeChat and get loans through Weilidai. Bind it to Alipay and there are several loan functions available to you.

Question 7: Can I get a loan with an Agricultural Bank of China credit card? 1. Credit cards can only be used for consumption, not loans.

2. Hua Xia Bank has the Easy Cash service. You can try it. If the application is successful, the money will be transferred directly to your bank card.

Similar to a loan.

Question 8: Can I get a loan with an Agricultural Bank of China credit card? You cannot apply for a loan directly with a credit card. The credit card usage record can affect the loan approval. A good credit history is good for loans. Agricultural banks in different regions have different loan requirements, and the specific application conditions of the local bank shall prevail.

Conditions for applying for loan business:

Natural persons aged 18-60 years old;

The actual age of the borrower plus the loan application period should not exceed 70 years old ;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Have a good credit report and no bad records;

Other conditions stipulated by the bank.

Documents required for the loan:

ID cards of the borrower and his wife;

Borrower’s household registration book/temporary residence permit and household registration book for foreigners;

Marriage certificate/divorce certificate or judgment/single certificate;

Proof of income;

Education certificate;

Bank statement;

Other real estate;

A copy of the business license of the unit (with official seal);

Certificate of deposit, etc.;

If the borrower is a corporate legal person You must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, financial statements;

other information required by the bank.

The process of applying for a bank loan:

The borrower applies for a loan;

Prepares loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank Lending;

Post-loan management;

Return of principal and interest when the loan is due

Question 9: How much can the Agricultural Bank of China lend using credit card loans? Agricultural Bank of China uses credit RMB loans issued to high-quality individual customers with good credit, with personal stable salary income as repayment guarantee, and used to meet consumer needs. Loan targets are natural persons who are over 18 years old and not over 60 years old, have the nationality of the People's Republic of China and full capacity for civil conduct. To apply for the "salary loan" of the Agricultural Bank of China, you need to meet the following conditions:

1. Be at least 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;

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2. Hold legal and valid identity documents and household registration certificate (or valid residence certificate) for the location of the loan bank;

3. The borrower and spouse meet the credit record conditions stipulated by our bank;

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4. Credit score is 490 points (inclusive) or above;

5. Stable income and the ability to repay credit on schedule;

6. Personal credit purpose applied for Reasonable and clear;

7. Open a personal settlement account at Agricultural Bank of China.

The Agricultural Bank of China's "salary loan" application process is as follows:

1. The customer applies for a loan and submits relevant information;

2. The bank conducts investigation and review Approval;

3. The bank signs a loan contract with the borrower;

4. The loan is issued in one go; 5. The borrower repays the principal and interest of the loan according to the agreed repayment method.

Question 10: It is the first time to apply for a credit card from Agricultural Bank of China. What is the maximum loan amount of 10 points that Agricultural Bank of China can apply for a credit card loan? The limit is within the credit card limit.

After the application is successful, the bank will transfer the money directly to your domestic bank savings settlement account provided by you, and you can withdraw it directly for use. Then use your credit card to repay in installments, and you need to pay a certain handling fee, which is equivalent to having an additional installment on your credit card.

How to use credit card loans from Agricultural Bank of China

It is recommended to apply for loans through formal channels:

The definition of Agricultural Bank of China’s online loan means that Agricultural Bank of China provides cash to those who meet certain conditions. Small-amount consumer loans issued by Agricultural Bank of China to individual customers, with self-service application, fast arrival, automatic approval, and self-service credit use.

Application conditions:

1. Be at least 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 supports second-generation K treasure customers).

4. Good credit status.

5. There is no unexpired “Network Loan” loan limit and 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 the loan limit applied for on Jiedai is 3,000 yuan to 300,000 yuan. The loan limit is valid for 30 days. The borrower must use the loan within the validity period of the credit limit. The loan limit cannot be applied for on a recurring basis. , approval, and loan disbursement can be completed within a few minutes.

Extended information:

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Loan term: The maximum term for installment car purchases is generally 24 months.

Down payment: When purchasing a car by credit card installment payment, you generally need to pay a down payment of no less than RMB 30 of the car price.

Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000.