Basic rules:
1. Loan object
China citizens who have reached the age of eighteen to sixty and have full capacity for civil conduct.
2. Loan amount
After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
3. Term of the loan
The maximum validity period of the mortgage line is 5 years; The expiration date of the validity of the pledged amount shall not exceed the expiration date of the pledged right, and the longest period shall not exceed 5 years; Credit line and guarantee line are valid for 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.
4. Loan interest rate:
According to the loan interest rate stipulated by China Construction Bank.
5. Guarantee method
In the form of mortgage, pledge, third-party guarantee or credit recognized by CCB.