6.15%
Personal Loan Rate
4.35%
RMB Loan Rates
$200
Monthly repayment
$3k to $300k
Loan amount
Agricultural Bank of China Limited (ABC), also known as AgBank, is one of the "Big Four" banks in the People's Republic of China. It was founded in 1951, and has its headquarters in Dongcheng District, Beijing. It has branches throughout mainland China, Hong Kong, London, Tokyo, New York, Frankfurt, Sydney, Seoul, and Singapore. ABC has 320 million retail customers, 2.7 million corporate clients, and nearly 24,000 branches. It is China's third largest lender by assets. ABC went public in mid-2010, fetching the world's biggest ever initial public offering (IPO) at the time, since overtaken by another Chinese company, Alibaba. In 2011, it ranked eighth among the Top 1000 World Banks, by 2015, it ranked third in Forbes' 13th annual Global 2000 list and in 2017 it ranked fifth
Personal Loan Rate
RMB Loan Rates
Monthly repayment
Loan amount
The Personal First-hand Residential Housing Loan is a loan issued by ABC to finance the borrower’s purchase of residential housing traded for the first time (i.e. the residential housing sold to individuals by the developer or any other qualified entity that has developed the housing)
The Personal Mortgage Loan Refinancing (Without Transaction) is a loan issued to the borrower who has an outstanding personal housing loan (other than a personal commercial housing loan) at another commercial bank, for the purpose of prepaying such an outstanding personal housing loan he/she owes to that commercial bank.
The Wealth Management Account Linked Housing Loan Account is a service we provide for personal housing loan borrowers to effectively use money and save interest on loans. The wealth management account is linked to a personal housing loan of the borrower. We calculate and pay returns based on the balance of the borrower’s wealth management account and the loan.
Personal small-amount guaranteed insurance loan, or Bao Jie Loan, refers to loans made by ABC to qualified personal customers who have bought personal consumer credit guaranteed insurance from insurance companies for legal personal consumer purposes. The maximum policy term is three years with a minimum coverage amount of RMB10,000 up to a maximum coverage amount of RMB150,000.
The Personal Housing Revolving Loan (hereinafter “revolving loan”) is a personal loan that can be withdrawn, repaid, and redrawn again for an unlimited amount of times within a specified period; it should also be within the credit limit determined based on the maximum mortgage placed on the housing financed by a personal housing loan you have obtained from ABC or any other financial institutions.
The Mortgage Loan Refinancing (with Transaction) is a process where, when a mortgage-financed housing is resold, ABC issues a loan to the seller to repay the mortgage loan made by another lender for collateral release and title transfer; ABC then issues a second-hand housing loan to the buyer and recovers the loan made to the seller.
The Personal Second-hand Residential Housing Loan is a loan issued by ABC to finance the borrower’s purchase of resold residential housing
Wang Pu Loan, also called personal commercial property pledged loan, refers to specific-purpose loans made to borrowers who mortgage leased commercial property using property owned by his/her own or spouse as collateral. The maximum loan that can be applied for is in an amount that equals up to 60% of the appraised value of the mortgaged commercial property, without upper limit.
The maximum loan that can be applied for is in an amount that equals up to 60% of the appraised value of the mortgaged commercial property, without upper limit.
The loan term may be extended to a maximum of 10 years.
The loan can be used to buy other commercial properties, repay the debts of buying the commercial property or other commercial properties, or to remodel or decorate the commercial property.
1. Be less than 60 years old;
2. With sound personal credit standing;
3. Be able to provide commercial property with the ownership of his/her own or spouse along a street as the mortgage;
4. The mortgaged property has been leased and normally operated with a rent basically covering the monthly repayment;
5. Agree to open a lease income regulatory account with Advania Group and accept Advania Group’s supervision.
