Agricultural Bank of China is one of the four largest banks in China, with many loan products. In addition to special services for agriculture, rural areas and farmers, there are also many special business departments in personal and enterprise services. Let's put these loan products together, let you know first, and choose the product that suits you best.
What are the loan products of China Agricultural Bank?
I. Personal loan products of Agricultural Bank of China
Personal loan products-good family loan series
Agricultural Bank loan products include: individual first-hand housing loans, individual second-hand housing loans, individual housing and provident fund portfolio loans, individual housing revolving loans, individual housing replacement loans, individual housing direct loans, individual housing non-trading mortgage loans, individual housing relay loans, and individual housing loan "repayment holiday plan".
Personal loan products-quality consumer loan series
Agricultural Bank's loan products include: salary loans, personal car loans, national student loans, consumer insurance loans (that is, personal consumer insurance loans), study abroad loans, business student loans, and home improvement loans.
Personal loan products-good start-up loan series
Agricultural Bank's loan products include: personal business loans, personal first-hand commercial housing loans, personal second-hand commercial housing loans, and Wangpu loans.
Personal loan products-special loan series
The characteristic loan series products of ABC's loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, cajie loan, deposit-loan link, second-hand housing transaction fund custody, personal self-help revolving loan, personal wealth management products, balloon loan (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum) and individuals.
Second, the Agricultural Bank of China company loan products
Financing and financing: fixed assets loans, working capital loans, revolving credit lines, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantee commitments, and entrusted joint loans.
Small and micro enterprise services: simple loans (simple and quick credit business for small enterprises), smart loans (self-service revolving loans for small enterprises), account loans (pledge financing business for accounts receivable of small enterprises), factory mortgages (mortgage loans for industrial buildings of small and micro enterprises), and loan financing services of some local companies, such as multi-household joint guarantee for small enterprises (Henan Branch), intellectual property rights (Guangdong Branch) and Jinketong (Jiangsu Branch).
Three. Agricultural Bank of China's Three Rural Loan Products
Personal products of agriculture, rural areas and farmers: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers and farmers in earthquake-stricken areas, and personal production and operation loans in rural areas.
Agricultural products: financial services of special products benefiting farmers, including credit insurance business of agricultural industrialization cluster customers, seasonal purchase loans, loans for the construction of county commodity circulation markets, loans for commercial reserves in off-season of chemical fertilizers, loans for rural urbanization, loans for rural infrastructure construction, loans for working capital of farmers' professional cooperatives (Fujian Branch) and mortgage loans for forest resources assets (Fujian Branch). General financial services include revolving credit lines and working capital loans.
The above is a summary of the loan business of ABC. I believe everyone has a certain understanding of ABC's loan products! For more details, please consult the local Agricultural Bank outlets.
What is the happiness of ABC?
Agricultural Bank of China Le Fenyi is an installment loan service provided by Agricultural Bank of China for high-quality cardholders. You can apply for this installment loan as long as you use your credit card well and repay it on time. Agricultural Bank of China Lefenyi is only issued to designated customers, and the specific qualifications are subject to the display of Agricultural Bank of China. From the feedback of users, users with good credit card reputation, deposits or financial products, mortgages and other applications are all open.
"Le Fenyi" installment payment business refers to the business that China Agricultural Bank pays the installment amount to the applicant after approval according to the applicant's application, collects the installment amount on the credit card and transfers the installment principal into the special account of Le Fenyi, and the applicant repays the installment principal and pays a certain amount of installment fee.
Le Fenyi is a characteristic staging business launched by Agricultural Bank of China. At present, it is open to ABC's high-quality customers in the form of white list, with a maximum amount of 300,000 yuan. The mortgage customers of Agricultural Bank of China or the credit card holders of Longka are most likely to receive the invitation to apply for Lefenyi, and then apply for Lefenyi at any branch counter of Agricultural Bank of China. After the approval of Lefenyi is successful, the quota will be loaded into the customer's ABC credit card, and the validity period is 30 days. Customers can apply to transfer the quota to a special card, and then they can use the card to spend.
Le Fenyi must go to a nearby outlet with my ID card and ABC debit card. If you don't have a debit card, you can apply on the spot. The content of ABC music is here, hoping to help everyone.
Product characteristics
The credit line of Lefenyi is non-recyclable, and the maximum credit line does not exceed 300,000 yuan.
The longest stage of Lefenyi is no more than 60. For product information, such as the specific number of installments, the corresponding installment fee rate, and the fee collection method, please consult the business outlets or the credit card customer service of ABC.
This product is only used for daily large-scale consumption, including the purchase of large-scale durable consumer goods, weddings, children's education, continuing education, health and so on.
Bidding conditions
The applicant must be a whitelist customer of ABC.
A natural person aged between 18 and 60 with full capacity for civil conduct.
The credit record is good, and the relevant risk ratings and scores meet the access requirements stipulated by the Agricultural Bank of China.
Have legal, sufficient and stable income or assets, and have the willingness and ability to repay.
Have a fixed residence in China, or a stable work unit, or a stable business place.
Abide by the relevant regulations on anti-sanction compliance management of Agricultural Bank of China.
Which banks can use credit cards for loans? Look at these families.
Credit cards can not only overdraw consumption, but also provide loans. However, it does not mean to apply for a loan from a bank with a credit card as a voucher. On the contrary, many banks offer credit card hidden benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit is given, within which you can apply for a loan. Let's have a look.
Which banks can use credit cards for loans?
1, Agricultural Bank
Agricultural Bank of China has a credit card consumption reserve fund, which refers to the business that the cardholder applies to the Agricultural Bank of China for installment quota, and after the approval of the Agricultural Bank of China is successful, the consumption funds are transferred to the designated credit card, and the cardholder repays the principal in installments and pays a certain amount of installment fee. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000.
If you want to use the credit card of Agricultural Bank of China to handle the consumer reserve fund, the cardholder must be the host of the personal credit card, and the account status is normal, the credit status is good, and there is no outstanding overdraft debt in local and foreign currencies.
2. Industrial Bank
Industrial Bank has a loan business, which can also be regarded as a credit card loan. It is a one-time cash consumption limit provided by Industrial Bank for high-quality credit card holders that exceeds the fixed credit card limit. The minimum amount is 1 000 yuan, and the maximum amount is said to be 300,000 yuan, which is mainly based on the comprehensive evaluation of the credit status of the cardholder.
The business model and standard pricing of Xiang Xing Loan are completely consistent with the cash installment business of Industrial Credit Card, but the credit line is different from that of credit card.
3. China Merchants Bank
E-loan is a good credit card loan of China Merchants Bank, and it also belongs to cash installment. It was also awarded by the bank after a comprehensive evaluation of high-quality cardholders. Within the credit limit, you can apply for a loan many times, transfer the money to your debit card and repay it in installments.
You should hurry up when applying for an electronic loan. If there are preferential activities, the monthly preferential range is about 0.45%~0.6%, and the longest loan period can be 24 months, which is suitable for office workers with long capital cycle.
How to borrow a credit card loan from ABC? Knowing this is not difficult to get the money!
All along, the four major state-owned banks are very tall in China. Many people will give priority to the four major state-owned banks when saving money or lending money. Now, many people apply for credit cards in the Agricultural Bank of China. Some of them will have the idea of getting loans through ABC's credit card. So, how to borrow a credit card loan from ABC? Today, I will introduce the relevant content here.
There are many types of credit card loan products of ABC, including cash installment, bill installment, consumption installment, automobile installment, merchant installment and online installment. Here, taking cash installment and consumption installment as examples, how to borrow a credit card loan from Agricultural Bank of China is discussed.
Cash installment payment
Cash installment mainly provides cash loans for cardholders, with a limit of 2,000 yuan and a cap of 50,000 yuan. There are four loan terms: 3, 6, 9, 12. Let's see how to borrow money by cash installment:
1. ABC credit card holders fill in the cash installment application form at ABC's business outlets;
2. Provide your own ABC debit card as a repayment account;
3. Withdraw cash or transfer consumption directly from the debit card of ABC.
Consumption staging
If you spend more than RMB 500 yuan, or more than USD, EUR, AUD, and 50 yuan through the credit card of Agricultural Bank of China, you can apply for consumption by stages, with a maximum period of 24 periods. You can apply for credit card loan installment of Agricultural Bank of China through WeChat, online banking, telephone, SMS and pocket banking.
Wechat application steps: Pay attention to "ABC Credit Card" on Wechat → click "Apply for Staging" in "My Kaka".
Online banking application steps: after logging in to online banking → select credit card → enter installment management → select consumption installment.
The above is about how to borrow credit card loans from Agricultural Bank of China. I hope everyone has learned to apply for loans with ABC credit cards.
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What is ABC's easy loan?
Loan-to-credit loan is that China Agricultural Bank grants the installment amount to the applicant according to the applicant's application, and collects the installment payment on the credit card, and transfers the installment principal into the special account for loan-to-credit loan. The applicant repays the installment principal and pays a certain installment fee. Lefen Easy Loan has a maximum of 300,000 yuan, the longest term is five years, and it will be repaid by monthly installments.
Extended data
1. What are the terms of the loan?
Lefenyi is a consumer credit product launched by Agricultural Bank of China. It is only issued to the designated high-quality customers of ABC, and only customers who have business dealings with ABC can apply successfully.
The conditions to be met in applying for the Lefenyi loan are as follows:
1. The applicant is between 18 and 55 years old and has full capacity for civil conduct.
2. Have a stable job and income, and have the ability to repay the loan on schedule.
3. Personal credit is good.
Second, what should I do if I don't want it after handling it?
If you don't want it after processing, it can't be refunded, because after the application is approved, the bank will directly transfer the amount to the customer's credit card. Within the validity period of 30 days, users can apply to transfer the amount to a special card for credit card consumption. If customers don't want to use Lefenyi, they can call the ABC credit card customer service hotline and apply for early repayment to the manual customer service. However, it should be noted that if Lefenyi repays in advance, there is no way to refund the installment fee, so customers need to consider it clearly when applying for Lefenyi.
3. Does Lefenyi need to pay the handling fee in full for prepayment?
However, the prepayment of Lefenyi only charges the corresponding number of installments. If the prepayment has been included in the bill, the installment fee will not be refunded.
Early repayment is divided into partial repayment and early settlement.
(1) Partial repayment. If only part of the amount is repaid, it must be an integral multiple of the installment principal that should be repaid in each installment. For example, 1 1,000 yuan should be paid back in this period, at least 1 1,000 yuan or 2,000 yuan should be paid back.
(2) settlement in advance. Pay off all remaining unexpired funds.
How to get a credit card loan from ABC?
Borrowing money with ABC's credit card is equivalent to withdrawing cash with credit card. Generally speaking, the common methods are:
1. Counter handling: Cardholders can bring their credit cards to the business hall of the Agricultural Bank of China, apply to the staff for cash withdrawal, and then fill in the application form, which can be cashed after approval.
2.atm processing: the cardholder can take his credit card to the atm of the bank, insert the credit card according to the prompt, enter the password, and then select the withdrawal operation to withdraw cash.
If you have any questions, you can call ABC and get a satisfactory answer.
Extended data:
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I. Credit card loans
1, credit card-interest-free period.
The main function of credit card is overdraft function, and the credit limit is determined according to the comprehensive score of the applicant's credit situation, and the applicant can overdraw within this limit. Compared with the bank loan interest rate, credit card overdraft during the interest-free period can save a lot of interest.
2. Credit card-cash in advance
It is also a way to borrow cash in advance, but the credit card charges a higher interest (five ten thousandths of a day), and it takes a certain limit every day.
3. Credit card-credit card cash installment payment
Credit card cash installment is through application. When the bank transfers the money to the customer's bank card, it must be returned in installments, and a handling fee will be charged for each installment. The general cash installment amount is more than 50,000 yuan, and the maximum amount can reach more than 200,000 yuan. However, it is not easy to apply. The monthly income level of the selected bank object is above 1 10,000 yuan, while the credit card limit is about 20,000-30,000 yuan. The consumption power and income level are good, and the risk of lending to these customers is very small.
Second, how to apply for a bank credit card loan to buy a car
1. Application conditions: Applicants need to have full capacity for civil conduct, stable and legal income and good credit record before applying for a bank credit card.
2. Application materials: the applicant needs to prepare a copy of resident ID card or military officer's card, salary certificate, social security copy (paid for more than half a year) or other financial certificates, including original certificates such as self-owned real estate license, self-owned car driving license, telephone, water, electricity and gas charges in the last three months of the current residence.
What are the loans of ABC Credit Card and what are the loan products of ABC Credit Card? This concludes the introduction. I wonder if you have found the information you need?