When the margin loan is in one of the following states, the lender may transfer the loan amount agreed in this contract to the deposit account (including current all-in-one account, debit card account and fixed account) opened by the borrower in our bank, and at the same time freeze the loan funds, and issue the deposit certificate and loan certificate (personal study abroad loan certificate):

1. If a letter of guarantee is adopted, it can only be issued after the lender receives and holds valid guarantee documents.

2. If real estate is used as mortgage, the lender can only issue the loan after obtaining the original mortgage registration certificate or receiving the mortgage receipt and examination and approval fee.

3. By means of pledge guarantee, the lender can only issue the loan after handling the freezing and storage procedures of the pledge.

4. The Letter of Approval for Studying Abroad Loan is only applied by the borrower after handling the loan for studying abroad, and is provided by China Bank. Bank of China will not provide an approval letter for studying abroad when handling overseas deposit loans.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.