Agricultural Bank of China mortgage e-loan is a kind of mortgage loan product, which can use real estate as collateral to obtain a corresponding amount of loan for repayment or other purposes. However, it is suggested that the repayment pressure should not be too great when using loans.
Regarding security, ABC is a large state-owned bank with high credibility and strong financial strength. Therefore, it is very important for lenders to obtain electronic loans. If the lender fails to repay the loan on time, it will face financial risks. So before applying for a loan, you should evaluate your repayment ability to ensure that you can repay on time.
Second, what information do you need to get an e-loan?
Please bring the purchase contract, delivery notice and my ID card (it's best to ask the sales girl or the property manager, after all, the regulations of each property are different, so as to save an extra trip). Check the house to see if there are any problems that can be found by the naked eye, such as damage and leakage (if the upstairs has been decorated). If you think it's ok after acceptance, the property management will ask you to sign it, and then hand in the door key, quality guarantee, instruction manual and other related materials. Of course, if you have to go through other formalities after the acceptance of the house, I suggest you bring all the contracts, receipts (or invoices) and certificates related to the house purchase, so as to avoid going there again when you really need it.
Third, agricultural bank housing to electronic loans?
China Agricultural Bank's housing-to-e loan is the housing mortgage loan of China Agricultural Bank.
People's Republic of China (PRC) citizens (excluding Hong Kong, Macao and Taiwan citizens) have full capacity for civil conduct and hold legal and valid identity documents. At least 20 years of age, and the sum of the borrower's age and the loan term shall not exceed 65 years of age.
2. Having a fixed residence and business premises in the local area, and being able to provide legal, effective and sufficient real estate mortgage guarantee.
3. The borrower has more than 65,438+0 years of work experience, and the current production and operation are normal.
4. The credit records of the borrower and his/her spouse comply with the relevant regulations of the bank.
5. The credit score meets the access conditions of the bank.
6. If the borrower is the owner of a small and micro enterprise, the small and micro enterprise shall also comply with the relevant regulations of the bank.
7. Meet other conditions stipulated by the Agricultural Bank.
Fourth, how to apply for an electronic loan from Agricultural Bank of China?
Agricultural Bank of China mortgage e-loan is an online mortgage loan product for small and micro enterprises launched by Agricultural Bank of China. Many enterprises want to apply for mortgage e-loan from Agricultural Bank of China to solve the financial problem. So how to apply for mortgage e-loan from ABC is to apply for mortgage e-loan from ABC. Users log in to the Palm Bank App, click Loan-I want a loan-Apply for e-loan now, and then enter the application interface of e-loan for mortgage, followed by KBao verification. It should be noted that when applying for E-loan from ABC, although the business owner has completed the loan process such as business application, information confirmation and contract signing, the business owner needs to obtain business authorization, and finally the business owner and the business owner sign a loan contract with the borrower as * * * *, and the individual of ABC E-loan cannot apply.