What is the consumer loan for county wage earners?

County-level working-class consumer loans are RMB loans with specific consumption purposes, which are mainly paid by the Agricultural Bank of China to eligible county-level party and government organs, financial institutions that uniformly distribute wages, enterprises in advantageous industries and core outstanding customers at the head office and branch level.

What are the characteristics of county wage earners' consumer loans?

1. Credit loans can be issued. As long as the prescribed conditions are met, our bank can issue credit loans to customers.

2. Flexible loan methods. In addition to credit, mortgage, pledge, natural person guarantee and company guarantee can be used separately or in combination, with flexible methods and diverse choices.

3. Loans are widely used. Loans can be widely used for car purchase, house decoration, study abroad, tourism and other legitimate consumption purposes.

How to deal with it?

Loan process:

Frequently asked questions:

1. Who can apply for consumer loans for county wage earners?

The borrowers of county-level working-class consumer loans are formal employees of county-level party and government organs or financial institutions that uniformly distribute wages, enterprises in advantageous industries such as finance, tobacco, postal services, communications, petroleum, electric power, railways, highways, aviation, urban water supply and gas supply, and core outstanding customers at the head office level. The following conditions must be met simultaneously:

(1) Age 18 years old and under 60 years old, with full capacity for civil conduct, holding legal and valid identity documents and having a fixed residence in the local area.

(2) There is no record of overdue credit card loans and malicious overdraft when applying for loans, and there is no record of overdue for more than 90 consecutive days (inclusive) or 180 days (inclusive) in the last 24 months, unless reasonable reasons can be explained.

(3) Having worked in the current unit for more than 65,438+0 years (inclusive), having a stable income source and the ability to repay the loan principal and interest in full on time.

(4) The secured loan shall provide legal, effective and sufficient guarantee recognized by the lender.

(5) Open a personal settlement account or bank card account in China Agricultural Bank.

(6) The credit score reaches the specified standard.

(7) Can provide qualified consumer use certificates.

(8) Other conditions stipulated by the lending bank.

2. What are the conditions of credit loan?

Borrowers who provide credit for county-level working-class consumer loans shall meet the following conditions in addition to the basic conditions of borrowers:

(1) The credit score reaches the standard set by the bank.

(2) Having worked in the current unit for more than 2 years (inclusive), with stable income and annual after-tax income of more than 30,000 yuan (inclusive).

(3) Meet the following minimum requirements: management personnel at or above the stock level in county-level party and government organs; Full-time key institutions of higher learning at or above the provincial level formally hold the post of lecturer or above; County-level public primary and secondary schools with brands, advantages of teachers and students, moderate debt level and standardized financial management, and teachers with intermediate titles or above; Public county-level hospitals above Grade II and Grade B, or attending physicians with comprehensive income reaching a certain scale and relatively leading advantages in the local area; Enterprises in advantageous industries, outstanding core customers at the head office and branch level, and managers at or above the stock level in other institutions.

3. What information does the borrower need to provide?

When a customer applies for a loan for the first time, he shall fill in the Application Form for Personal Credit Business of Agricultural Bank of China and provide the following materials:

(1) Proof of valid identity and marital status of the borrower and spouse.

(2) Relevant certification materials of formal employees.

(3) A valid income certificate or related materials that can prove the borrower's income and repayment ability.

(4) Authorization information of the borrower's personal credit investigation business.

(5) Relevant materials required for personal credit rating.

(6) Use certificate or use statement.

(7) Guarantee information.

(8) Other materials required by the lending bank.

4. What is the term, interest rate and amount of consumer loans for county wage earners?

(1) The term of county-level wage earners' consumer loans is determined according to the principle of matching customers' repayment ability and income level, generally not exceeding 3 years (inclusive) and the longest not exceeding 5 years (inclusive).

(2) Please consult the local commercial bank for the specific interest rate of county wage earners' consumer loans.

(3) The consumption loan amount of the county working class is linked to the borrower's salary income, and combined with the guarantee risk.

The degree is fixed and there is no limit to the maximum amount.

What is a Jie Bao loan?

Personal small guarantee insurance loan (hereinafter referred to as "Jie Bao loan") refers to the loan for personal legitimate consumption purposes issued by borrowers who meet the loan conditions and purchase personal consumption credit guarantee insurance in insurance companies. The longest loan period is 3 years, and the starting point of the loan amount is 6,543,800 yuan, and the highest is 6,543,800 yuan.

What are the advantages of Jie Bao loan?

1, with a wide range of loans. Individual customers who have a fixed residence or a stable work unit in the local area can apply;

2. Loans can be used for many purposes. Can be used for a variety of personal consumption purposes except buying a house;

The loan procedure is simple. You don't need a mortgage. You can apply for a loan on the same day at the earliest.

What are the conditions for a borrower to apply for a loan in Jie Bao?

1, with legal citizenship, can provide legal and valid identification.

2. Have a fixed residence or a stable work unit in the local area.

3. Have a stable economic income, with a monthly income of 2,000 yuan or more after tax, and have the willingness and ability to repay the loan principal and interest on schedule.

4. No bad credit record.

5. In the name of the borrower, I purchased the "Personal Consumer Credit Guarantee Insurance Policy of XX Insurance Company" in which the insured is China Agricultural Bank.

What are the procedures for handling loans in Jie Bao?

1. The customer applies for a loan at the handling bank designated by our bank and submits relevant materials, and the bank accepts the investigation.

2. Banks should review and approve the information and credit qualifications provided by borrowers.

3. The bank signs a loan contract with the borrower.

4. Loan issuance.

What is a home improvement loan? ?

Home improvement loan refers to a credit loan issued to a natural person who has applied for mortgage loan in our bank, which is used for the decoration of the house he has purchased, the purchase of furniture and household appliances and other consumer purposes. ?

What are the advantages of home improvement loans? ?

1, credit loan, without guarantee; ?

2. The maximum amount is 500,000 yuan, which can easily meet your new home decoration needs; ?

3. The procedure is simple and quick; ?

4. Flexible use of funds. The funds can be transferred to the account of the contractor and supplier, or directly used for credit card repayment. ?

What conditions do borrowers need to apply for home improvement loans? ?

1、? Has successfully applied for housing mortgage loan in our bank; ?

2、? Have a stable source of income, in principle, for the working class; ?

3、? Application scores must meet the admission criteria. ?

How to apply for a home improvement loan? ?

Customers apply for home improvement loans? →? Bank investigation and approval? →? Sign the loan contract and supplementary agreement →? Issue loans? →? The borrower repays the principal and interest of the loan according to the agreed repayment method? →? Go through the loan settlement procedures?

What is a personal comprehensive credit loan? ?

Personal comprehensive credit loan is a business that China Agricultural Bank determines the maximum credit line for individual customers according to their comprehensive credit conditions such as mortgage, guarantee and credit, and customers can easily obtain loans within the agreed period and maximum credit line. ?

What are the characteristics? ?

1. One-time credit recovery: You can apply for a credit line at one time and reuse it according to one or more combinations of mortgage, pledge, guarantee and credit. ?

2. Full use, convenience and flexibility: the loan can be used for consumer purposes such as housing, automobiles, house decoration, comprehensive consumption, and also for business purposes such as individual production and operation, which is flexible and extensive. ?

3, simple procedures, worry-free and interest-saving: after the borrower applies for a loan, if the property is mortgaged, it only needs to go through the mortgage procedure once; Interest can be calculated according to the actual loan amount and the actual use days. ?

What are the conditions for bidding? ?

1, 18-65 years old, in good health, with China nationality, valid identification and full capacity for civil conduct. ?

2. Have a permanent residence in the local area. ?

3. Personal legal assets with stable occupation, stable legal income or full repayment of loan principal and interest. ?

4. Good credit record, no gambling, drug abuse and other bad habits. ?

5. Open a personal account in the Agricultural Bank, and be willing to accept the credit and settlement supervision of the Agricultural Bank. ?

What is the credit limit and how to determine it? ?

The total amount does not exceed 5 million. ?

Total credit line = credit loan line+secured loan line+mortgage loan line+pledged loan line. ?

How long is the credit period? ?

The comprehensive credit line for individual customers is generally valid for 2 years, and the credit line excluding secured credit is not valid for more than 3 years. ?

What is the term and interest rate of a single loan? ?

The maturity date of a single loan shall not exceed the maturity date of the credit at the latest; ?

The interest rate should be based on the purpose of the loan, in accordance with the relevant provisions of the People's Bank of China and the Agricultural Bank of China. ?

How to apply for a personal comprehensive credit loan? ?

The customer applies for a personal comprehensive credit loan and submits relevant materials → the bank conducts investigation and approval → the bank signs a credit contract and a loan contract with the borrower → the loan is granted by mortgage pledge → the borrower repays the loan principal and interest according to the agreed repayment method → the loan settlement procedures are handled?

Tip:?

Q: What if my credit expires and I want to continue to use it? ?

A: Before the credit line expires, if you don't have any bad records during the credit period, you can report to the original loan bank in advance, and you can get the credit line again after approval. ?

What is a personal housing "balloon loan"?

Personal housing "balloon loan" is a new repayment method of personal housing loan: loan interest and part of the principal are repaid in installments, and the remaining principal is repaid once due. ?

Traditional repayment mode VS "balloon loan" repayment method?

Examples of traditional repayment methods:?

10 year loan+10 annual interest rate+use 10 annual interest rate and 10 year term to calculate the monthly payment?

Contradiction: In order to apply lower interest rates, the loan term must be shortened, and the monthly supply pressure increases; ?

In order to reduce the pressure of monthly supply, it is necessary to extend the loan term, so raising interest rates is applicable. ?

Summary: low interest rate and low monthly payment cannot have both. ?

Examples of "balloon loan" repayment methods:?

5-year loan +5 annual interest rate+monthly payment at 5 annual interest rate, 30-year term?

Summary: Enjoy both low interest rates and low monthly payments. ?

Applicable object?

Once the personal housing "balloon loan" expires, the principal to be repaid is large, which is suitable for customers with strong financial strength. ?

Business advantage?

* Lower interest rates save more interest:?

You can choose a shorter loan term, apply a lower mortgage interest rate, and save interest expenses. ?

* Lower monthly payments make it easier;

Although a shorter loan term (e.g. 5 years) is selected, a longer term (e.g. 10 year, 20 years, 30 years) can be selected to calculate the monthly payment, so as to reduce the pressure of monthly payment. ?

Tips?

Q: I want to enjoy the benefits of balloon loan with low interest rate and low monthly payment, but I am worried that I can't repay the remaining loan principal at one time. What should I do? ?

A: As long as you have a good credit record during the repayment period, if you can't repay the remaining loan principal in one lump sum when the loan expires, you can apply to the Agricultural Bank for a second loan in advance-you can get a second loan as long as you cooperate with the Agricultural Bank to go through the relevant procedures. ?

What is a personal self-help revolving loan? ?

Personal self-service revolving loan refers to the business that you can handle the loan and repayment by yourself through telephone banking, online banking, self-service terminals and other channels after obtaining the credit line of Agricultural Bank of China and signing relevant agreements. ?

Scope of application?

At present, the following four loan businesses can open "self-service revolving loans"?

◆ Personal comprehensive credit loan?

◆ Personal comprehensive consumer loan?

◆ Personal housing revolving loan?

◆ Personal employment loan?

What are the commercial advantages of this product? ?

1. The loan is independent and can be received immediately: when using money, it can be handled quickly through online banking, telephone banking, self-service terminals, counters and other channels of the Agricultural Bank of China. ?

2. Free repayment, saving interest: If you have spare money, you can repay in advance at any time to save interest to the maximum extent. ?

3. Sign a contract once and use it many times: open a personal revolving loan, which can be reused. ?

4, anytime, anywhere, personal service: whenever and wherever, as long as you have a telephone or network, there is a personal loan service. ?

5. The operation is simple, convenient and quick: you can repay the loan by clicking the mouse or making a phone call, saving time and effort. ?

I am in charge of my loan. Come and feel the self-service revolving loan of ABC! ?

How to bid?

Apply for personal comprehensive credit loan, personal comprehensive consumption loan, personal housing revolving loan or personal business loan, and apply for opening personal self-help revolving loan at the same time. After the approval, the Agricultural Bank can open it for you. ?

Tips?

Q: I once applied for a housing loan in China Agricultural Bank, but it was not a revolving house loan. Can I open a personal self-help revolving loan? ?

Answer: You can bring the original loan contract and your certificate to the Agricultural Bank of China to apply for changing the housing loan into a housing revolving loan, so that you can open a "self-service revolving loan"!

How much is the repayment of personal loan principal and interest respectively? ?

Separate repayment of individual loan principal and interest refers to a repayment method in which individual loan customers of Agricultural Bank of China repay the principal and interest in installments according to their respective cycles (months and quarters). ?

Applicable object?

People who are good at financial management: For example, you can choose to repay the principal on a monthly basis and interest on a quarterly basis. Customers can use this part of the funds to earn income within two months without paying interest, at least they can get the income from demand deposits and win risk-free reports. ?

People who don't receive fixed income on a monthly basis: If the operating funds are turned over once a quarter, you can choose to repay the principal and interest on a monthly basis and quarterly to keep the repayment frequency consistent with the income frequency. ?

Separate repayment of principal and interest saves me more interest! ?

Mr. Li is an expert in financial management. He can not only make money, but also be good at careful calculation, using various products of the bank to save interest for himself to the maximum extent! ?

Recently, he came to the Agricultural Bank to apply for a personal housing loan with a quota of 800,000, a term of 30 years and an annual interest rate of 5.94%. According to the general equal principal and interest method, he has to pay back 4765 yuan every month. "Every month is still so much, mostly interest. It really hurts! " Mr. Li is worried. ?

After knowing his concerns, the account manager came up with the latest repayment method of principal and interest of ABC: Mr. Li Can repays the principal monthly and pays interest quarterly, and only needs to repay the principal of 2,222 yuan per month and pay interest quarterly; Use this money to manage your finances within two months without paying interest-even if you do nothing, you can earn current interest with the bank-which is the most cost-effective repayment method with the least interest! Mr. Li did not hesitate to borrow money and told his good friend the secret of saving money! ?

Separate principal and interest, so that I don't need money every month! ?

Xiaojun is engaged in clothing wholesale business. He has a three-year production and operation loan of 200,000 yuan in the Agricultural Bank, with a monthly repayment of 6,366 yuan. However, the money returned from his business comes to the account once every three months, and the monthly repayment always makes him feel a little tight. ?

At the suggestion of the account manager, Xiaojun chose to repay the principal and interest separately: only the interest is paid every month and the principal is paid once every quarter. The frequency of making money and paying back money is the same, and he feels much more relaxed. ?

What is automatic prepayment of personal loans? ?

Automatic prepayment of personal loan means that the personal loan customer designates a settlement account associated with the loan as the automatic prepayment account (which can be the borrower's loan repayment account or other deposit settlement account). After signing the contract, the Agricultural Bank will automatically prepay the qualified settlement accounts at the end of each day (or the agreed date). ?

Applicable object?

Customers who often have idle funds and want to repay in advance to reduce interest expenses. ?

What benefits can it bring you? ?

1. Interest saving: automatic prepayment every day (or agreed date) to save interest expenses to the maximum extent. ?

2. Convenience: You don't have to wait in line at the bank if you want to prepay, and you can prepay automatically as soon as you sign the contract. ?

3. Flexibility: Within the scope stipulated by the bank, you can freely set the minimum retention amount, the minimum prepayment amount and the maximum prepayment amount, and flexibly allocate your funds. ?

What are the bidding conditions?

Customers who apply for personal loans at the Agricultural Bank of China with non-fixed interest rates can apply for this business. ?

Business process?

Customer application → bank approval → signing personal loan automatic prepayment agreement.

What is a personal pledge loan? ?

Personal pledge loan refers to the personal loan business in which the borrower provides a certain amount of RMB loan to the Agricultural Bank with personal gold or property right certificate as collateral and repays the loan principal and interest on schedule. ?

What can be used as proof of rights? ?

1, lump-sum deposit and withdrawal, deposit and interest withdrawal, etc. ?

2. My foreign currency time deposit certificate. ?

3. Voucher bonds: bonds issued by the Ministry of Finance after 1999 (inclusive). ?

4. Insurance policy: The insurer is an insurance company that has established business cooperation with Agricultural Bank of China, which has cash value and can be realized at any time (except unsecured investment-linked insurance). ?

5. Physical gold bought and sold by the Agricultural Bank on its own or on its behalf. ?

6. Other rights documents that can be pledged according to law. ?

What are the conditions for bidding? ?

1, a natural person with full capacity for civil conduct. ?

2. It can provide legal, effective and bank-approved pledge. ?

3. Have the ability to repay the loan principal and interest on schedule. ?

How to bid? ?

Customer application → freezing collateral payment → bank investigation and approval → signing contract → issuing loan?

skill

The content and process of the above business will be slightly different according to the type of collateral. Please handle the specific business in accordance with the provisions of the local Agricultural Bank. ?