Basic rule

1. Loan target: China citizens with full capacity for civil conduct aged 18 to 60.

2. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

3. Loan term: the mortgage line is valid for up to 5 years; The expiration date of the validity of the pledged amount shall not exceed the expiration date of the pledged right, and the longest period shall not exceed 5 years; The validity period of credit line and guarantee line is 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.

6. Application materials to be provided:

(1) Original and photocopy of the borrower's valid identity certificate;

(2) local permanent residence or valid residence identity certificate

(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

(4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage.

(5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(6) Credit certification materials of the guarantor.

(7) Collateral appraisal report issued by the appraisal department recognized by the society.