A fast and flexible micro-credit service, based on the needs of its clients, is a fast-forward agricultural bank. The service is primarily for individuals and micro-entrepreneurs and has the advantage of being simple, quick to approve and easy to draw on. However, there are a number of conditions that must be met for clients to apply for an AWN loan, which is analysed below from several angles。

You're applying for an AWN loan

I. PERSONAL AND OPERATIONAL CONDITIONS

First, an individual customer is required to hold a Chinese citizen's identity card and to be 18 years of age or older, without having a bad credit record. In the case of microentrepreneurs, certification of relevant qualifications such as business licences and tax registration certificates is required。

In addition, the AWN fast-track loans are targeted at niche and related industries such as growing, farming, forestry, fishing and individual business. Thus, the client is required to meet the following conditions:

1. Operations are in line with national industrial policy。

2. The size of the operation is small and the number of useful persons does not exceed 50。

3. After a continuous period of more than one year。

4. Gains have been realized and have a good credit record。

Assets collateral conditions

In addition, a certain amount of collateral is required as collateral for IAWN. For an individual customer, the customer needs to have a certain amount of collateral, such as a property, a vehicle, a certificate of deposit, etc., which can serve as collateral. For business customers, the fixed assets of the enterprise or other movable property, such as property, vehicles, equipment, etc., are required as collateral。

At the same time, IAWN also provides collateral-free small credit loans, requiring higher credit records and stable sources of income. For business clients, good credit records are required。

Financial conditions

On the financial side, there are higher requirements for AWN loans. First, an individual client is required to provide certain income certificates and application forms, such as personal income tax certificates, pay cards, rent contracts, etc. In the case of enterprises, financial information such as business bank flow, major balance sheets, tax reports, etc. is required as the basis for the application。

In addition, the client ' s loan line is adjusted to its financial strength. Typically, the amount of the loan is linked to factors such as the income, strength, etc. of the individual or enterprise, so that the client needs to be financially stable。

Credit records and repayment capacity

Finally, applying for an AWN fast-track loan requires better credit records and repayment capacity. The customer ' s credit records include personal credit records and business credit records, which are usually assessed by the letter-in-trust agency. Clients need to pay attention to their credit records, pay credit card bills in a timely manner and avoid poor records such as overdues。

At the same time, clients need to plan their repayment plans rationally to ensure that they are able to pay on time. If the client needs to pay back in advance or adjust the repayment mode, it needs to contact the CAPAN client manager in a timely manner。

In summary, applying for an AWN loan requires a number of requirements, including personal and business conditions, asset collateral, financial conditions, credit records and repayment capacity. Clients need to provide relevant materials and communicate with their client managers。