Bank of China personal first-hand housing loan application process:

1. The applicant submits house purchase information, pays the down payment, and signs the "Commercial Housing Sales Contract";

2 . The applicant submits a written application for a personal first-hand housing loan and provides relevant application materials;

3. The bank handling agency conducts a comprehensive assessment of the credit status and solvency of the applicant and the guarantor, and passes the Conduct pre-loan investigations through interviews, telephone verifications and home visits, and complete customer information verification;

4. After the bank agency accepts the loan application, it will conduct corresponding approval;

5. After the loan application is approved, the borrower and guarantor shall handle the relevant loan procedures within the specified time, and go to the bank handling institution to sign the relevant contract and handle the payment procedures in person at the designated time;

6. Borrowing The person clearly stipulates the repayment method and principal and interest payment plan in the loan contract, and authorizes the lender to actively deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date.

Please contact the local agency for specific requirements.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.