Good loans, Industrial Bank provides repayment grace period service, that is, it provides borrowers with a grace period of 10 day from the fixed repayment date to the end of each month. Repayment at any time during the grace period is normal repayment, and no overdue interest and penalty interest will be charged, and personal credit history will not be affected.

Application conditions for personal mortgage of Industrial Bank

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by Industrial Bank;

6. Open a personal settlement account in Industrial Bank, and handle settlement business such as loan issuance and repayment through natural life family financial card;

7. Other conditions stipulated by Industrial Bank.

Industrial Bank mortgage interest rate

For the first time to apply for a loan to buy ordinary self-occupied housing, the loan interest rate shall not be less than 0.7 times of the benchmark interest rate of the corresponding grade published by the People's Bank of China. In other cases, the loan interest rate shall be implemented within the benchmark interest rate of loans of the same grade published by the People's Bank of China and the corresponding floating ratio.