1. Aged between 20 and 65, with full capacity for civil conduct and valid identity documents;
2. Having a fixed residence and business premises in the local area, and being able to provide real estate recognized by the Agricultural Bank as collateral;
3. The current production and operation conditions are normal, and they have at least 1 year working experience;
4. The borrower and his spouse must have a good personal credit record and no record of bad loans;
5. Meet other provisions and conditions of the Agricultural Bank.
Once the bank receives the borrower's loan application, it will investigate and review it. After approval, the bank informs the borrower to sign a loan contract and go through the mortgage registration procedures. After completing the relevant procedures, the bank will lend money. The borrower needs to keep a good repayment record.
What is the house loan of China Agricultural Bank?
The e-home loan launched by Agricultural Bank of China is a business personal loan product tailored for individual industrial and commercial households, small and micro business owners and other natural persons with production and operation certificates. This loan product needs real estate as collateral. Maximum loanable amount100000 yuan. The loan interest rate will be determined according to the borrower's personal credit status, and you can enjoy the lowest LPR interest rate in the same period.
If the loan term is less than 1 year, you can choose to repay the principal and interest in one lump sum or settle the interest regularly. For loans with a term exceeding 1 year, the principal and interest shall be repaid in installments.