1. Legal and valid identification documents of the borrower;

2. Have a legitimate occupation and a stable source of economic income, and have sufficient ability to repay the principal and interest of the loan;

3. The applicant and the mortgagor have good credit records and no bad social records;

4. It can provide sufficient and effective guarantee, and the purpose of the loan is clear and legal;

5. Other conditions required by the lender.

II. Operating loan conditions:

1, local residents with valid identity documents.

2. Proof of marital status

3. the smallest? 22, 60 at the most.

4. The borrower has a good credit record and no bad social record.

5. The borrower's corporate credit record and social record are good, and there is no record of overdue and arrears of interest in the past 24 months.

6. Only the owners of locally registered enterprises can apply for loans.

7. Other conditions required by the lender.

Extended data

First, the amount of consumer loans.

(1) mortgage guarantee

1. The maximum loan amount for housing mortgage is 70% of the appraised price of mortgaged real estate;

2. The maximum loan amount for commercial housing mortgage is 60% of the appraised mortgage price of real estate.

(2) Pledge guarantee

1, and the maximum pledge rate of RMB time deposits is 95%;

2. The highest pledge rate of voucher bonds is 90%;

3. The maximum pledge rate of foreign currency time deposits is 90%.

II. Operating loan amount:

Rmb10 ~150,000 yuan

China Bohai Bank-Personal Mortgage Pledge Consumption Revolving Loan

China Bohai Bank-Bole Personal Production and Operation Loan