Agricultural Bank of China Personal Loan Business Agricultural Bank Personal Loan Products

What are the loan products of Agricultural Bank?

The types of agricultural bank loans are as follows:

1. Personal housing loan series: personal first-hand housing loan, personal second-hand housing loan, personal housing and provident fund portfolio loan, and personal housing direct loan;

2. Personal consumption loan series: online loan, salary loan, personal car loan, national student loan, study abroad loan and home improvement loan;

3. Hershey loan series for individual entrepreneurship: personal entrepreneurship guarantee loan, entrepreneurship-assisted e loan, personal entrepreneurship-assisted loan, personal first-hand commercial housing loan and personal second-hand commercial housing loan;

4. Personal characteristic loan business: Jie Bao loan, personal self-help, mortgage treasure, cajie loan, deposit and loan connect, personal self-help revolving loan and personal wealth management products;

5. Loan products serving agriculture, countryside and farmers: e-loan for benefiting farmers, housing loans for farmers in earthquake-stricken areas, loans for rural individual production and operation, and consumer loans for working-class people in counties;

6. Small and micro enterprise service loans: simple loans, smart loans, micro-credit loans, industrial and commercial property management loans, mortgage e-loans, etc.

Agricultural Bank loans must meet the following conditions:

1. Has a permanent residence in the town or a valid residence status.

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

3. There is a purchase contract or agreement.

4. Be able to pay a down payment of not less than 20% of the total purchase price.

5. Agree to use the purchased house as collateral, or provide assets recognized by the handling bank as collateral or pledge, or a unit or individual with sufficient compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities.

Matters needing attention in loan:

1. Loan amount:

Many friends hope that the higher the loan amount, the better. But they don't know that the loan is determined by your own conditions. After accepting the loan application, the lending institution will review the materials submitted by you, evaluate them according to your credit standing, age, occupation, assets, income, marriage and mortgage, and finally get the loan amount.

2. Loan interest rate

The loan interest rate, like the amount, is also determined according to the individual situation, but generally there is a fixed interval. For example, the state stipulates that the annual interest rate shall not exceed 36%, and the interest rate exceeding 36% is not protected by law.

Of course, according to different lending institutions and loan products, interest rates are different. Generally speaking, the interest rate of credit loans is higher than that of mortgage loans, the annual interest rate of banks is lower than 10%, the annual interest rate of institutions is higher than 10%, and the interest rate of online loans is higher. The highest should be cash loans.

3. Term of the loan

The loan term is mainly determined by the product. For example, the longest term of housing provident fund loans is 30 years, and you can't apply for 35 years.

Of course, you can decide the application time within the range of meeting the product requirements, such as 1 year, 2 years, 10 year, etc. For a loan with a fixed amount, the longer the loan time, the lower the repayment amount and the less the relative pressure.

There is a basic principle in the choice of loan term, that is, to control the economic scope. In order to repay the mortgage and car loan in advance, some friends will have a short repayment period and put too much pressure on themselves. So choose the right loan term for yourself, instead of blindly obeying others.

If repayment is really difficult, you can also call the corresponding institutions to apply for extending the loan period.

4. Lending time

The loan time depends on the processing time of the lending institution.

Mortgage loans take longer to process than credit loans. Because mortgage loans need mortgage review or various mortgage procedures, and the process of credit review is relatively simple.

Usually, the faster the loan is reviewed, the lower the amount. However, with the development of technology and the networking of credit information system, I believe that the time for loan will be shorter and shorter.

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

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.

Types of agricultural bank loans

1, personal first-hand housing loan

Personal first-hand housing loan refers to the loan issued when buying the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals).

2, individual housing and provident fund portfolio loans

Personal housing provident fund portfolio loan refers to the portfolio loan issued by the housing provident fund center and the bank to the same house purchased by the same borrower.

3. Individual housing revolving loan

Revolving loan for individual housing refers to a personal loan that can be recycled within the agreed period (the validity period of the loan) by a natural person who applies for individual housing loans in the Agricultural Bank of China or other financial institutions, with the maximum mortgage set for the housing purchased by the loan.

4. Personal housing non-transaction mortgage loan

Non-transactional mortgage loan for individual housing refers to the loan issued to the borrower to replace the individual housing loan obtained in other financial institutions and set mortgage on the housing purchased by the loan.

5. Netjet loan

Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions by way of credit. Customers apply for it by themselves, automatically approve it, and use the letter by themselves.

6. Paid 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.

7. Personal car loan

Personal car loans are loans granted by Agricultural Bank of China to individual customers to buy cars, including personal car loans and personal commercial vehicle loans.

8. National student loans

The national student loan refers to the RMB loan business provided by Agricultural Bank of China to full-time undergraduates, junior college students (including higher vocational students), graduate students and students studying for the second bachelor's degree to pay tuition, accommodation and basic living expenses.