Personal time deposit loan guarantee of China Bank:
1. When applying for personal deposit from the lender, the borrower must use personal time deposit issued by China Bank as pledge guarantee. The acceptable collateral for personal time deposit is the unexpired personal time deposit in local and foreign currencies of China Bank. Product categories include lump-sum and lump-sum time deposits, and certificates of title for pledged time deposits include fixed-term all-in-one passbook, current all-in-one passbook, debit card and lump-sum and lump-sum time deposit certificate issued by China Bank. The handling institution may accept loan applications with time deposits opened by non-handling institutions as collateral.
2. For the business handled through online banking, the types of time deposits that can be pledged are limited to the time deposits that have been automatically transferred under the time all-in-one account (the associated medium of the account can be the time all-in-one passbook or debit card), and the deposit must be in the borrower's name, and the time all-in-one account has been associated with online banking.
3. The time deposit certificate of personal time deposit shall not be frozen in any form, including the borrower's full freezing (no account transaction), the borrower's freezing (no account transaction) and the amount freezing (no account balance is less than the agreed freezing amount).
4. For the business handled by the agent, the pledgor shall deliver the property right certificate of the pledged time deposit to the pledgee. For the business handled through online banking, the lender will freeze the time deposit pledged by the pledgor, and the pledgor does not need to deliver the title certificate.
5. The lender shall sign the applicable loan contract and guarantee contract with the borrower and the pledger, and go through the formalities of freezing and stopping payment. For the business handled through online banking, online banking will display the loan contract, and the borrower will sign it through the security authentication tool, and the pledge will be automatically frozen by the system. During the pledge period, the pledged lump-sum time deposit will bear interest at the normal deposit interest rate within the term, and the pledged time deposit with interest will bear interest normally within the term, but interest will stop.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
What are the channels for handling personal time deposits in banks in China?
China Bank Personal Time Deposit Handling Channels:
Personal time deposits can be handled through BOC handling institutions or BOC personal online banking. Pledge can also be made through personal mobile banking-loan-online-deposit of Bank of China, and deposit certificate can be selected.
BOC's personal time deposit business can be accepted by all branches of BOC except BOC branch.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the term of personal time deposit in China Bank?
1. The term of personal time deposit in China Bank shall not exceed one year at the longest.
2. In principle, the term of personal time deposit of China Bank shall not exceed the maturity date of pledged time deposit. If multiple time deposits are pledged, the loan term shall be the one closest to the maturity date.
3. If the borrower applies for a loan with a deposit term shorter than the proposed loan term, or the loan term is longer than the time deposit term due to the extension of loan approval, the time deposit must be automatically transferred.
Tips: BOC's personal large deposit certificate is not transferable, and the maturity date of the loan shall not exceed the maturity date of the deposit certificate.
The above contents are for your reference. Please refer to the actual business regulations.
What is the personal time deposit limit of China Bank?
Personal time deposit limit of China Bank:
1. The starting point of personal time deposit limit of China Bank is RMB 1000 yuan.
2. For RMB and USD time deposits, the loan pledge rate shall not exceed 90% of the denomination of time deposits; The pledge rate of time deposits in other currencies shall not exceed 85% of the denomination of time deposits. Foreign currency time deposits are calculated by converting the foreign exchange (paper money) purchase price announced on the same day into RMB.
3. For the business handled through personal online banking/personal mobile banking of China Bank, the maximum amount of single payment and single-day cumulative payment shall not exceed 300,000 yuan.
Due to differences in business in individual regions, please consult the acceptance outlets or call the customer service hotline of China Bank at 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.
Can China Bank get a loan?
Bank of China can lend money.
Taking personal business loans as an example, the required materials are as follows:
1. ID card, household registration book, marriage certificate and other documents of the borrower and spouse;
Two, business qualification documents, such as business license, business license, etc ... ;
Three, the business certificate, such as operating flow, tax bills or other materials reflecting the profitability of enterprises;
Four, the documents required for the guarantee, such as mortgage (pledge) guarantee, must provide the ownership certificate of the mortgaged (pledged) thing, the value certificate, and the certificate that the authorized person agrees to mortgage (pledge); The guarantor must provide the guarantee documents and relevant credit certification materials that the guarantor agrees to perform joint and several liabilities;
Verb (abbreviation of verb) a document that proves the purpose of a loan, such as a sales contract;
6. Other documents required by China Bank.
Extended data:
Product description of personal business loan
1. loan amount: the personal business loan amount generally does not exceed 5 million yuan. According to the specific situation of customer application, it can be further improved.
Second, the loan period: the loan period for individual businesses shall not exceed 5 years (including 5 years).
Third, loan guarantee: support flexible guarantee methods such as real estate mortgage, pledge of valuable rights, guarantee and credit.
4. Repayment method: According to the loan term, you can choose flexible repayment methods such as paying interest monthly (quarterly) and repaying principal monthly (quarterly/semi-annual/annual).