There are many kinds of personal consumption loans. Please edit the question in the following way to learn more. Such as: personal, personal credit loans, personal study abroad loans, personal home consumption loans, personal cultural consumption loans, etc.

2. What are the rules for personal consumption loans of China Bank as collateral?

The collateral for the personal consumption loan of China Bank shall meet the following conditions: 1, the borrower has legal and complete ownership, the mortgaged property (including houses and commercial places) that meet the requirements of the Guarantee Law, and the farmers' housing property rights that meet the requirements of the Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights of China Bank, and it has not been mortgaged to other creditors (it has been mortgaged to China Bank according to previous loan contracts, except those that should be handled by the original agency). 2. When applying for personal consumption loan from China Bank with collateral jointly owned by a third party or the borrower and the third party, the owner or co-owner of the collateral must personally go to the bank to sign all relevant documents with his valid identity certificate. In case of joint ownership, the applicant shall provide proof of ownership and specify its share; In the case of co-ownership, the applicant shall provide written documents unanimously agreed by other co-owners. 3. Commercial houses used as collateral must have independent property rights, can be disposed of separately, and have good location and high appreciation potential (refer to local BOC outlets for specific standards). 4. If the borrower has multiple collateral, he can apply for one mortgage revolving line or apply for multiple mortgage revolving lines separately, but multiple mortgage revolving lines cannot share the same collateral. Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details. The above contents are for your reference. Please refer to the actual business regulations.

3. Where can the personal consumption loan of China Bank be used?

Use of personal consumption loan of China Bank:

Personal consumption loans can be used for all legitimate personal consumption expenses, but excluding house purchase, production and operation, personal expenses without specific purposes and purposes prohibited by any laws, regulations, regulatory provisions and national policies (including stock and securities investment, etc.). ). For details, please consult the acceptance branch of China Bank.

The above contents are for your reference.

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 BOC Cross-border GOAP.