Personal consumption loan
Basic conditions of the loan: the borrower is a natural person with full capacity for civil conduct, has a permanent residence in the local area, has a job, has the ability and willingness to repay the principal and interest, and has passed the examination.
Loan purposes: It can be used for comprehensive household consumption expenses such as house decoration, car purchase, travel, study abroad and purchase of consumer goods or services.
Loan amount: according to the borrower's basic conditions, repayment ability, credit status, guarantee and loan purpose, the loan amount is determined by comprehensive calculation; The maximum shall not exceed100000 yuan.
Term of the loan: determined by comprehensive calculation according to the actual situation of the borrower, and the longest term shall not exceed 10 year (inclusive).
Loan interest rate: The benchmark interest rate of loans of the same grade in the same period published by Lhasa Central Sub-branch of China People's Bank shall be implemented.
Loan guarantee: credit, guarantee, mortgage, pledge and combination guarantee can be used.
Repayment method: if the loan term is less than one year (inclusive), the repayment method of paying interest on a monthly basis and repaying the principal at maturity shall be adopted; If the loan term is more than one year, in principle, the repayment method of average capital or equal principal and interest should be adopted.
loans extended to the individual housing purchasers
Basic conditions of the loan: the borrower is a natural person with full capacity for civil conduct, has a permanent residence in the local area, has a job, has the ability and willingness to repay the principal and interest, and has passed the examination.
Loan purpose: It can be used to buy houses or commercial houses.
Loan amount: no more than 80% of the purchase price. The purchase of second homes, second-hand houses and commercial houses shall be implemented in accordance with the relevant regulations of the bank.
Loan term: the longest term of housing loan is not more than 30 years, the longest term of commercial housing loan is not more than 10 years, and the borrower's age plus loan term is not more than 65 years old.
Loan interest rate: according to the latest bank policy.
Loan guarantee: credit, guarantee, mortgage, pledge and combination guarantee can be used.
Repayment method: if the loan term is less than one year (inclusive), the repayment method of paying interest on a monthly basis and repaying the principal at maturity shall be adopted; If the loan term is more than one year, average capital or equal principal and interest repayment shall be adopted.