How do individual farmers go to the bank to collect money, and how does the Agricultural Bank of Chi

Agricultural Bank of China Personal Car Loan Application Related:

Information required for car loan:

Original ID card, household registration booklet or other valid residence certificate, and provide a copy thereof;

Proof of occupation and economic income, a list of personal accounts for the past 6 months;

A car purchase agreement, contract or letter of intent signed with the dealer;

Other documents required by the cooperating institution.

Car loan process:

First of all, the borrower needs to prepare the ID card, proof of residence, proof of employment, proof of loan purpose and other supporting materials, go to the bank, fill out an application form, and fill in a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the borrower meets the loan conditions stipulated by the bank, the bank will notify the borrower to fill in some loan** documents. If the loan applied by the borrower requires mortgage or guarantee, it is also necessary to sign a guarantee contract, a mortgage contract, and go through the mortgage registration procedures; If you are dealing with an unsecured loan, you do not need to enter into such a contract.

1. Have a Chinese residence ID card or household registration certificate, and be at least 18 years old.

2. Non-criminal fugitives, no bad habits.

3. Good credit, have certain economic strength, and have the ability to repay principal and interest.

4. The borrower must be a natural person with full civil capacity, and must ensure that the loan is used for legal business.

5. Have a stable occupation and income, high integrity, clear asset property rights, no malicious default on bank loans, and no triangular debts.

I want to pay for it, but I don't know what information I want

What is it used for and in how to? The information required for the loan application varies depending on the applicant and the type of loan. Common personal information such as:

Proof of identity, proof of employment, proof of residence, etc.; Enterprise application materials such as: business license, financial statements, loan card, etc.; Proof of financial resources for mortgages such as real estate, cars, etc.; Lines of credit such as proof of income, bank card statements, etc.

Personal microcredit loan is a RMB credit loan issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the amount will generally not exceed 10-200,000 yuan, and the loan period is 1-2 years.

Personal Microcredit Loan Application Requirements:

1. Chinese citizens who have a fixed residence in China, have a permanent residence in a local town, and have full capacity for civil conduct;

2. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, no illegal acts and bad credit records;

4. There is no bad record in the national credit record; Staring at my brother and sending me hail.

5. Other conditions stipulated by the bank.

In the past, it was very difficult to get a loan for a rural hukou.

Nowadays, the rural account loan only needs to:

1. Choose the bank you want to take out a loan from, most of them are Agricultural Bank of China, Rural Commercial Bank (Credit Cooperative), and Postal.

2. Bring your ID card and household registration book to the bank of your choice for on-site consultation. The lending policies of each bank and each region are different, but now they are all tilted towards rural areas, and it is not so difficult to get loans.

3. According to the requirements of the lending bank, issue the required materials and handle the loan matters.

Fourth, other ways, such as: farmers cooperate with the company, use the purchase contract for mortgages, etc.

Conditions for applying for a loan business:

1. Natural persons aged 18-65 years;

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

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

4. Good credit and no bad record;

5. Other conditions stipulated by the bank.

The loan of the Agricultural Bank of China needs to be applied for in a local bank, and the borrower can apply directly to the bank or through a guarantee agency like the bank, provided that the borrower meets the conditions and information of the loan.

The procedures for obtaining a loan from the Agricultural Bank of China should be as follows:

1. To establish a personal bank account with the Agricultural Bank of China, an adult who is not more than 60 years old is required;

2. It is necessary to have a certificate of Chinese nationality, a certificate of residence, and a certificate of economic income;

3. There is no bad credit record in the Agricultural Bank of China among the family members;

4. Go to the Social Security Bureau to issue a certificate of working years and the tax bureau to issue a certificate of after-tax income;

5. Clarify the purpose of the loan and the flow of funds.

For loans made by way of pledge to Agricultural Bank of China, the borrower should provide the following information:

1. Letter of demand for borrowing;

2. The pledge contract signed by the buyer and the seller with each other;

3. If the pledge is a commercial house, there must be a property right certificate, a real estate certificate and a legal document, and if the seller is an enterprise, the company's business license, legal representative certificate and other documents must be provided;

4. Copies of ID cards and marital status certificates of both buyers and sellers;

5. Proof of the borrower's family economy;

6. The guarantor's written opinion and asset credit certificate that the guarantor is willing to guarantee;

7. Other documents or materials stipulated by the lending bank.

Bank personal loan objects and conditions.

1. Loan Target:

1. Chinese citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the first installment of the purchase price (not less than 30 of the total purchase amount);

3. Have a stable economic income and have the ability to repay the principal and interest of the loan;

4. Agree to use the purchased property as collateral for the loan.

2. The following conditions must be met at the same time:

1. Hold a legal household registration book (not limited to the city), ID card or business license, legal representative certificate or legal residence permit, passport, and purchase a commercial house from a developer designated by the bank in the city;

2. Open a special deposit account in the bank, and the balance of the deposit shall not be less than 30 of the housing to be purchased;

3. Have a valid purchase contract, agreement and other supporting documents;

4. Agree to use the property under the purchase contract as collateral;

5. Willing to fulfill all the terms of the loan contract;

6. Other conditions stipulated by the bank.

3. Information to be issued and provided:

1. Original and photocopy of resident ID card;

2. The original and copy of the house purchase book;

3. The original and copy of the payment of the first installment;

4. Proof of monthly contribution ability, including: proof of personal and family income, certificate of deposit (passbook or other valuable**), etc.