(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 property at the place where the loan is applied;

(3) It has a continuous and stable source of income and has 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 China banks and peers;

(5) To apply for personal mortgage consumer loans from China Bank, collateral recognized by China Bank shall also be provided as loan guarantee;

(6) Before handling the personal consumption loan of BOC, you need to open a deposit account with BOC;

(seven) other conditions stipulated by laws, regulations, regulatory agencies and agencies.

2. Those who apply for personal consumption loans pledged by China Bank without mortgage 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 operating income sources (with operating years of 2 years or more);

(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.

Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call +86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.