Have China nationality.
Age 2 1-55 years old.
Office workers have worked or lived in the place of application for not less than 6 months; Have a stable job and a monthly income of not less than 3,000 yuan.
Industrial and commercial registration, a private owner, worked for one year; The monthly income of public water or private water is more than 20 thousand yuan.
The property owner owns a commercial property or one of the applicants.
Have a good credit record.
The loan amount and monthly interest are determined by your income and credit status. Generally, it is 7- 10 times the monthly income (the amount of real estate liabilities under the name will increase), and the monthly interest rate and credit standing can be as low as 1.3% (the range is 1.3-2.3%).
Processing flow:
The applicant shall submit personal certification materials and fill in the application materials.
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The bank checks the applicant's credit record at the central bank.
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check and ratify
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The applicant brings the original materials for review and signs a formal contract.
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Review and loan of cooperative banks
The whole process can be released in about 2-4 working days.