Anju Loan is a loan product specially launched by China Construction Bank for high-quality users, which can be used for housing rental, housing purchase and commercial housing. The longest repayment period of the loan for purchasing a house in Anju is 30 years, and the loan amount cannot exceed 80% of the house purchased, and the loan amount for commercial housing cannot exceed 50% of the house purchased.

The longest repayment period of the loan is 10 year. Users who apply for housing loans need to bring valid personal identity documents, work certificates, income and financial certificates to CCB outlets.

Compared with ordinary commercial loans, housing loans have higher loan amount and more uses.

Housing loan application conditions:

1. The applicant must be a legal citizen of China over 18 years old, have full capacity for civil conduct and be able to provide legal and valid identity documents.

2. The borrower is a high-quality customer of CCB, such as a customer who has applied for a mortgage in CCB, a user who already has a CCB credit card, and a formal employee of a civil servant, institution or state unit.

3. The borrower must have the ability to repay the principal and interest of the loan, have a stable job and internal income, and the applicant has a good personal credit record.

4. The applicant shall provide a clear and reasonable loan purpose. The maximum loan amount for purchasing a house shall not exceed 80% of the purchase price, and the longest loan period shall be 30 years.