Agricultural Bank loan refers to the relevant loans issued by the bank to enterprises or individuals, which are used by borrowers to buy houses, cars or use in enterprises. Loans are divided into general student loans, education student loans, personal production and operation loans, and personal customer comprehensive credit loans. For example, personal loan business provides customers with services such as personal self-help revolving loans, farmers' loans and ordinary loans. However, according to different loan requirements, the loan conditions are also different.
Agricultural Bank loan products are introduced as follows:
1, general student loan
The general student source loan refers to the commercial RMB loan issued to students, freshmen, on-the-job further study, re-employment training and overseas students in colleges and universities.
2. Exchange trading fund account
Personal firm foreign exchange trading fund account refers to short-term RMB loans issued by banks in the form of movable property pledge, and Jinsui debit card holders apply for loans from banks with the deposits in their foreign exchange trading fund accounts as loan pledges.
3. Education student loans
The national student loan refers to the RMB loan business issued by the branches of Agricultural Bank of China to students who are receiving higher education and their immediate family members, legal guardians or natural persons who are about to receive various kinds of education and training. Among them, the national student loan refers to the RMB loan issued to college students who meet the central and local financial discount regulations; The general student source loan refers to the commercial RMB loan issued to college students, freshmen, on-the-job further study, re-employment training and overseas students.
4, personal production and operation loans
Personal production and operation loan refers to the RMB loan business issued by banks to private entrepreneurs and individual industrial and commercial households engaged in legal production and operation, which is used for the working capital demand of production and operation and the demand for reasonable funds such as renting shops and purchasing machinery and equipment.
5. Comprehensive credit loans for individual customers
The comprehensive credit loan for individual customers refers to the business that the bank determines the maximum credit line for individual customers according to their comprehensive credit situation of mortgage, guarantee and credit extension, and customers can easily obtain loans within the agreed period and maximum credit line.
Note: ABC's loan products are not only these, but also some are listed for you. If you want to know more, you can log in to Kuaiyi Loan official website to learn more!
In this case, it may still be necessary to consult the local bank specifically, and it is recommended that the classification administrator switch to financial classification.
2. What are the loan types of Agricultural Bank?
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.