China Bank's personal consumption loan is a consumer-oriented loan product based on the credit status of individual customers, secured by collateral provided by customers recognized by the bank. If you apply for such loans in our bank, you should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:

Proof of loan use: invoices, contracts and other related certification materials for purchasing goods; In view of the special circumstances of providing the loan purpose description, the borrower shall ensure the legality of the loan purpose, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.

According to the Interim Measures for the Management of Personal Loans issued by CBRC, borrowers should provide effective counterparty account information. Entrusted payment. To meet the conditions of independent payment, you need to submit personal account information.

If the interval between the payment time and the quota approval time is more than six months, the latest income certificate and certification materials shall be submitted. Specific to the requirements of the organization.

Other materials required by the organization.

Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

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 China Bank Cross-border GO APP to handle related business.