Agricultural Bank of China loan application process

It is recommended that you apply for Agricultural Bank of China’s online loan products.

NetJie Loan refers to a small-amount consumer loan that is issued by Agricultural Bank of China in cash to individual Agricultural Bank of China customers who meet specific conditions. Customers apply for it by themselves, receive it quickly, automatically approve it, and use their credit themselves.

The following is the application process through Mobile Banking:

Step 1: Please log in to Mobile Banking and click the "Loan" option on the homepage, as shown in the picture:

Step 2: Select the "Wangjie Loan" product, as shown in the figure below:

Step 3: Enter the Wangjie Loan introduction page. The pre-loan amount will be displayed at the top of the page. Click Apply Now. As shown in the picture below:

Step 4: Enter the application page, select the loan purpose, borrowing and repayment account (requires a PalmBank registered account), confirm personal contact information, and check the box below Agree to the options, and then select Submit, as shown in the figure below:

Step 5: Select the loan, enter the contract information interface, confirm that the information is correct, click "Next" to enter the face recognition authentication, and click "Start" Authentication" and after the authentication is successful, enter the final signing interface, click "OK", and after verifying the security tool (K Bao or K Order), jump to the signing interface. After the signing is successful, you can directly click the "Lending" operation.

Warm reminder: The application time for NetJie Loan is from 7:00 to 22:00 every day, and there is a daily maximum limit. If the limit is exceeded for the day, the system will prompt "The amount that can be applied for today has been exhausted." , please apply again the next day." The quota will be restored at 7:00 am the next day.

From July 25, 2019, new customers of Wangjiedai can apply for loans through personal mobile banking channels or super counter channels. Applications through personal online banking channels have been suspended, but they can still handle loan inquiries and repayments. ; For existing customers, personal online banking can conduct loan inquiries and repayments, but cannot provide loan disbursements. If loan disbursement is required, it must be handled through personal mobile banking.

(Answer time: April 13, 2021. In case of business changes, please refer to the actual situation.)

How does the housing provident fund loan flow chart proceed?

< p> If you apply for a personal housing provident fund loan business at Bank of China in Shenzhen, the loan processing process is as follows: Step 1: The applicant and *** co-applicants go directly to our bank's business outlets or make an appointment online (in "Loan Business Processing "Reservation" fill in the information, make an appointment at the time and place) Step 2: Submit the application materials at our bank's business outlets or to the acceptance counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign with the commercial bank after approval. Step 5 of the loan contract: The bank handles the relevant lending procedures. Step 6: The bank issues the loan. Step 7: The borrower collects information and completes the business. Due to differences in the policies and requirements of housing provident fund management centers in various regions for handling personal housing provident fund loans, it is necessary Please consult the provident fund loan business outlet or the local provident fund management center for details.

The above content is for your reference, please refer to actual business regulations.

What are the conditions for a bank loan? What is the application process?

What are the conditions for a bank loan? What is the application process?

Age between 18-60 years old; have a certain repayment ability, preferably a stable income and job, no need to submit financial proof materials; personal credit report is good, but the credit report cannot be There are records of overdue, illegal and disciplinary records; the personal debt ratio cannot be too high, and the debt ratio cannot exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan will be approved. In the end, the bank's review results will prevail.

If necessary, we recommend you to use Youqianhua, which is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, renamed "Youqianhua" in June 2018) , big brands are reliable, have low interest rates and are trustworthy. Have money to spend - Manyidai, the maximum loan amount is 200,000, and the daily interest rate starts as low as 0.02%.

Click to measure the amount online

It has simple application, low interest rate and fast loan , flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing!

Loan process

Bank loan procedure:

1. Loan application. The borrower applies for a loan to a local bank.

2. Credit rating assessment. Banks evaluate borrowers' creditworthiness.

3. Loan investigation. The bank investigates the borrower's legality, safety, profitability, etc.

4. Loan approval. Banks review and approve loans based on a loan management system that separates loan review from loan review and provides graded review and approval.

5. Sign the contract. The bank signs a loan contract with the borrower.

6. Loan disbursement. The bank issues loans on time according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigations and inspections on the borrower's execution of the loan contract and the borrower's operating conditions.

8. Reflection after loan.

9. Loan repayment. When the loan matures, the borrower must repay the principal and interest of the loan in full and on time. If he wants to extend the loan, he should submit a loan extension application to the bank before the loan maturity date. Whether to extend the loan is decided by the bank.

1. Conditions for applying for bank loan business:

1. Natural person between 18 and 65 years old;

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

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

4. Have good credit, no bad records, and the loan purpose is legal ;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan at a local bank.

Two repayment methods

(1) Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: that is, the borrower will evenly distribute the loan amount to repay each period (month) during the entire repayment period, and pay the same amount at the same time. A repayment method that clears the loan interest from the previous transaction day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Monthly interest payment and principal repayment when due: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [term] Applicable to loans of less than one year (including one year), the loan interest is calculated on a daily basis, and the interest is returned monthly;

(4) Repay part of the loan in advance: The borrower can apply to the bank to repay part of the loan in advance The loan amount is generally 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will remain the same. , and the new repayment period shall not exceed the original loan period

(5) Repay the entire loan in advance: that is, the borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will Terminate the borrower's loan and handle the corresponding cancellation procedures.

(6) Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.

This concludes the introduction to the bank loan process flow chart and how to make the bank loan process flow chart. Have you found the information you need?