Bank of China Shanghai Overseas Margin Loan Guarantee:
1. In principle, the guarantee fee for the overseas margin loan of China Bank shall be borne by the borrower.
2. China Bank's guarantee loan for studying abroad can be guaranteed in any of the following ways:
(1) Guarantee:
A single third-party guarantee is provided by a professional guarantee company or other legal person institution with guarantee qualification recognized by the Municipal Branch.
(2) Mortgage guarantee:
Mortgaged with all the property (including housing and commercial premises) under the name of the borrower and his immediate family members.
(3) Pledge guarantee:
The deposits, treasury bonds and wealth management products in China Bank under the name of the borrower and his immediate family members are pledged, and the pledge shall be implemented in accordance with the Detailed Rules for Personal Deposit Certificates and the Notice on Forwarding the Head Office to Carry out Convenient Loans for Financing Personal Wealth Management Products.
(4) While providing one of the above-mentioned guarantee methods, the borrower shall deposit a demand deposit of not less than RMB 654.38+0,000 in China Bank as a repayment guarantee to freeze it.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for China Bank to apply for housing provident fund loans?
China Bank Shanghai Housing Provident Fund Loan Handling Conditions:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.
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.
What are the requirements for personal consumption loan of China Bank?
Conditions for handling personal consumption loans in Shanghai:
There is no difference between the borrower's application for personal consumption in Shanghai and the borrower's application for personal consumption, and the corresponding conditions must be met.
For details, please enter the online customer service manual service or contact the loan handling branch of Bank of China for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
Is China Bank's consumer finance loan deceptive? Has anyone been cheated?
Customer service hotline of BOC Consumer Finance: 95 137 (working hours: 8: 00-23: 00). If you have any questions, please contact us.
The above contents are for your reference. Please refer to the actual business regulations.