Agricultural Bank of China is one of the four largest banks in China, with many loan products. In addition to special services for agriculture, rural areas and farmers, there are also many special business departments in personal and enterprise services. Let's put these loan products together, let you know first, and choose the product that suits you best.
What are the loan products of China Agricultural Bank?
I. Personal loan products of Agricultural Bank of China
Personal loan products-good family loan series
Agricultural Bank loan products include: individual first-hand housing loans, individual second-hand housing loans, individual housing and provident fund portfolio loans, individual housing revolving loans, individual housing replacement loans, individual housing direct loans, individual housing non-trading mortgage loans, individual housing relay loans, and individual housing loan "repayment holiday plan".
Personal loan products-quality consumer loan series
Agricultural Bank's loan products include: salary loans, personal car loans, national student loans, consumer insurance loans (that is, personal consumer insurance loans), study abroad loans, business student loans, and home improvement loans.
Personal loan products-good start-up loan series
Agricultural Bank'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 characteristic loan series products of ABC's loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, cajie loan, deposit-loan link, second-hand housing transaction fund custody, personal self-help revolving loan, personal wealth management products, balloon loan (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum) and individuals.
Second, the Agricultural Bank of China company loan products
Financing and financing: fixed assets loans, working capital loans, revolving credit lines, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantee commitments, and entrusted joint loans.
Small and micro enterprise services: simple loans (simple and quick credit business for small enterprises), smart loans (self-service revolving loans for small enterprises), account loans (pledge financing business for accounts receivable of small enterprises), factory mortgages (mortgage loans for industrial buildings of small and micro enterprises), and loan financing services of some local companies, such as multi-household joint guarantee for small enterprises (Henan Branch), intellectual property rights (Guangdong Branch) and Jinketong (Jiangsu Branch).
Three. Agricultural Bank of China's Three Rural Loan Products
Personal products of agriculture, rural areas and farmers: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers and farmers in earthquake-stricken areas, and personal production and operation loans in rural areas.
Agricultural products: financial services of special products benefiting farmers, including credit insurance business of agricultural industrialization cluster customers, seasonal purchase loans, loans for the construction of county commodity circulation markets, loans for commercial reserves in off-season of chemical fertilizers, loans for rural urbanization, loans for rural infrastructure construction, loans for working capital of farmers' professional cooperatives (Fujian Branch) and mortgage loans for forest resources assets (Fujian Branch). General financial services include revolving credit lines and working capital loans.
The above is a summary of the loan business of ABC. I believe everyone has a certain understanding of ABC's loan products! For more details, please consult the local Agricultural Bank outlets.
What loan business does China Agricultural Bank have?
There are many kinds of loans from the Agricultural Bank, such as housing loans, automobile loans, consumer loans, small secured loans, student loans, farmers' loans, agricultural personal business loans, and personal production and operation loans. You can choose the appropriate loan type according to your own needs.
Agricultural Bank to apply for loans must meet the following conditions:
1. The applicant has full capacity for civil conduct within the scope stipulated by the bank.
2. The applicant has a fixed residence and a stable income, and has the ability to repay on time.
3. The applicant has a good credit record.
4. The applicant meets other conditions required by the bank.
Agricultural Bank of China was established in 195 1. Headquartered at 69 Jianguomen Inner Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. Agricultural Bank of China is an important part of China's financial system. It provides various products and services for corporate banks and retail banks, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields.
In February of 20 17, BrandFinance released the list of top 500 global brands in 20 17, and China Agricultural Bank ranked 34th. 20 18 in July, the British "Banker" magazine published the ranking list of global banks 1000 in 2065 438+0008, and the Agricultural Bank of China ranked fourth. 20 18 Fortune Global 500 ranked 40th. 2065438+In February 2008, 65438+2008, the World Brand Lab released the list of top 500 world brands in 2065438+2008, and China Agricultural Bank ranked 340th. On July 22nd, 20 19, the Fortune Global 500 list was released, and the Agricultural Bank of China ranked 36th. In 20 19 and 1 1, the Belt and Road Initiative ranked 44th in the list of enterprises in China. 20 19 12, China agricultural bank was selected as China brand power festival 100 brand 20 19. 20 19 12 18, people's daily "China brand development index" 100 list ranked 43rd. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Contribution Award for Sustainable Development".
What are the loan products of Agricultural Bank?
I recommend you to apply for the online loan products of Agricultural Bank of China.
Netjet loan refers to a small consumer loan which is granted by China Agricultural Bank in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited.
The following is the application process through Pocket Banking:
Step 1: Please log in to Pocket Bank and click the "Loan" option on the home page, as shown:
Step 2: Select the "online loan link" product, as shown in the following figure:
Step 3: Enter the NetJet loan introduction page, where the advance loan amount can be displayed, and click Apply Now, as shown below:
Step 4: Enter the application page, select the loan purpose, loan and repayment account (must be Zhang Yin's registered account), confirm personal contact information, check the consent option below, and then select Submit, as shown in the following figure:
Step 5: Select the loan and enter the signing information interface. After confirming that the information is correct, click Next to enter the face-brushing authentication. After the authentication is successful, click Start Authentication to enter the final signing interface, click OK to verify the security tool (KBao or KOrder), and then jump to the signing interface. After signing the contract successfully, you can click "Lending" directly.
Tips: The online loan application time is from 7: 00 to 22: 00 every day, and there will be a maximum limit every day. If it exceeds the limit of the day, the system will prompt that "the limit that can be applied for today has been used up, please apply again the next day", and the limit will be restored at 7:00 the next morning.
From July 25th, 20 19, new online loan customers can apply for loans through personal banking channels or super-counter channels. Personal online banking channel has been suspended, but loan inquiry and repayment can still be handled. For existing customers, personal online banking can inquire and repay, but it cannot lend money. If you need to operate a loan, you must handle it through a personal bank.
(Answer time: 202 1Apr. 13. In case of business changes, please refer to the actual situation. )
Who are the individuals of ABC?
Bank loans are always safer than other commercial loans. Many people want to go to the Agricultural Bank for loans, but they don't know what loans the Agricultural Bank has. Then follow my footsteps and see what China Agricultural Bank has personally.
1. online loan link: online loan link is a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions. The individual applies for it, automatically approves it and uses it for his own use.
2. Pay-as-you-go loans: Pay-as-you-go loans refer to RMB loans issued by Agricultural Bank of China to individual high-quality customers with good credit, with personal stable wage income as repayment guarantee to meet consumer demand.
3. Personal car loans: Personal car loans are loans granted by the Agricultural Bank to individual customers to buy cars, including personal car loans and personal commercial vehicle loans.
4. National student loan: The national student loan refers to the RMB loan business provided by Agricultural Bank of China to full-time undergraduates, junior college students (including vocational college students), graduate students and students studying for the second bachelor's degree to pay tuition, accommodation and basic living expenses.
5. Consumer guarantee loan: Personal consumer guarantee insurance loan refers to a loan issued by a borrower who meets the loan conditions to purchase personal credit guarantee insurance from an insurance company for personal legitimate consumption purposes.
6. Student loan for commercial students: Student loan for commercial students refers to the loan business issued by domestic college students and students studying abroad or their immediate family members and legal guardians to pay tuition, accommodation and basic living expenses.
7. Home improvement loan: Home improvement loan refers to a credit loan issued to a natural person who has applied for a mortgage loan in our bank, which is used for the decoration of the purchased house, the purchase of furniture and household appliances and other consumer purposes.
The above are seven people under the Agricultural Bank of China. Friends who want to apply for a loan can go to the local Agricultural Bank to consult the specific situation, or go to the Agricultural Bank of China official website to inquire.
So much for the introduction of the loan types of ABC.