1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Citizens of People's Republic of China (PRC) (China), including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) (China) for one year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property in the place where the loan is applied;
3. Have a continuous and stable source of income, and have the ability and willingness to repay the loan principal and interest on schedule;
4. The credit status is good, and there is no bad credit record in the Bank and its peers;
5. If you apply for personal mortgage loan from China Bank, you should also provide collateral recognized by China Bank as loan guarantee;
6. You need to open a deposit account with BOC before you can apply for personal consumption loan of BOC;
7. Other conditions stipulated by laws, regulations, regulatory agencies and agencies.
Those who apply for unsecured personal consumption loans shall also belong to the following customer groups:
1, employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.
2. Self-employed individuals with continuous and stable sources of operating income (operating for more than 2 years).
3. Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.