China bank personal consumption loan application conditions:
To apply for personal consumption loans, you must meet the following basic conditions:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own real estate at the place where the loan is applied;
3. Have a continuous and stable source of income, and have the ability and willingness to repay the loan principal and interest on schedule;
4. The credit status is good, and there is no bad credit record in BOC and its peers;
5 to apply for personal mortgage consumer loans, but also to provide collateral recognized by China Bank as a loan guarantee;
6. You need to open a deposit account with BOC before handling personal consumption loans;
7. Other conditions stipulated by laws, regulations, regulatory agencies and China Banking Regulatory Authority.
Those who apply for unsecured personal consumption loans shall also belong to the following customer groups:
1, employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.
2. Self-employed individuals with continuous and stable sources of operating income (operating for more than 2 years).
3. Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
What are the uses of personal consumption loans of China Bank?
The personal consumption loan of China Bank can be used for all legitimate personal consumption expenses, but it does not include housing purchase, production and operation, personal expenses without specific purposes, and any purposes prohibited by laws, regulations, regulatory provisions and national policies (including stock and securities investment, etc.). ). For details, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions).
The above contents are for your reference. Please refer to the actual business regulations.
What is the personal consumption loan business of China Bank?
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 China Bank. According to whether there is mortgage or not, BOC personal consumption loans are divided into BOC personal mortgage consumption loans and BOC personal mortgage consumption loans; According to whether the loan amount can be recovered or not, BOC personal consumption loans are further divided into BOC personal mortgage recovery consumption loans, BOC personal mortgage non-recovery consumption loans, BOC personal non-mortgage recovery consumption loans and BOC personal non-mortgage non-recovery consumption loans.
The above contents are for your reference. Please refer to the actual business regulations.
At this point, China Bank launched personal consumption loans, and CITIC Bank launched consumer loans. Did you find the information you needed?