What are the requirements for applying for a personal consumption loan from Bank of China?

1. To apply for a personal consumption loan from Bank of China, you must meet the following basic conditions:

(1) A natural person who is over 18 years old and has full capacity for civil conduct;

< p>(2) Citizens of the People's Republic of China, including residents of Hong Kong, Macao and Taiwan who have worked continuously in the territory of the People's Republic of China for one year or more, hold valid identity documents that comply with regulatory requirements and are in China Have a fixed residence in the country, and residents of Hong Kong, Macao and Taiwan should own their own properties in the place where the loan is applied for;

(3) Have a sustained and stable source of income, and have the ability and willingness to repay the principal and interest of the loan on schedule;

(4) The credit status is good, and there is no bad credit record with Bank of China and other banks;

(5) If you apply for a personal mortgage consumer loan from Bank of China, you should also provide collateral recognized by Bank of China as collateral. Loan guarantee;

(6) A deposit account must be opened with Bank of China before applying for a Bank of China personal consumption loan;

(7) Others stipulated by laws, regulations, regulatory agencies and handling agencies condition.

2. Those who apply for Bank of China’s unsecured personal consumption loans should also belong to the following customer groups:

(1) Employed persons with relatively stable wages or labor income. Mainly formal employees of state agencies and key enterprises and institutions; professional and technical personnel, such as lawyers, certified public accountants, etc. In principle, the borrower’s working experience should be 6 months or more;

(2) Have Self-employed individuals with a sustainable and stable source of operating income (operating for 2 years or more);

(3) Individual mid-to-high-end customers, including Bank of China Wealth Management customers, BOC Wealth Management customers and Bank of China Private Banking customers .

Due to differences in business in individual regions, please consult the Bank of China branch for detailed information. You can also enter the Bank of China online customer service manual service or call the Bank of China customer service hotline 95566 (for overseas, Hong Kong, Macao and Taiwan regions, please call 8610-95566) Get a consultation.

The above content is for your reference, please refer to actual business regulations.

How to apply for a personal credit loan at Bank of China? If possible, what is the limit?

Bank of China has many types of loans, with different loan amounts and different application procedures. . You can go to the official website of Bank of China to learn about the loan process and amount. Take the Bank of China's credit loan BOC E-Loan (personal online consumer loan) as an example:

Processing process:

Download the "Online Financial Supermarket" APP, click "BOC E-Loan", Register and bind the Bank of China debit card; click Activate, fill in the contact information and sign the agreement online, then submit the loan application; after approval, click Withdraw, select the loan purpose, amount and term as needed, and enter the mobile phone verification code and updates Password, the funds will be credited immediately after the withdrawal is successful.

Loan amount: up to 300,000 yuan.

Extended information:

To open Bank of China e-loan, you need to meet the basic conditions:

1. Personal credit report

Bank loan Credit records are generally checked. If there are too many overdue records on the credit report, it will affect the approval rate.

2. Special customers

If you want to open Bank of China e-Loan, you need to be a special customer of Bank of China, that is, to purchase financial assets of Bank of China, such as financial management, treasury bonds, insurance, etc. Funds, etc., or have deposits and bank balances in Bank of China, or are home loan customers or private banking customers of Bank of China. For details, you can call Bank of China to inquire.

BOC e-Loan Product Description:

Loan term: The loan limit is valid for 12 months, and the borrower can recycle the limit within the limit period.

Usage method: The credit line can be used repeatedly during the validity period and can be borrowed and repaid at any time. The interest on the loan is calculated on a daily basis based on the actual number of days the loan is used.

Repayment method: A single payment can be repaid by one-time repayment of principal and interest when due, monthly interest payment and repayment of principal when due.

Guarantee method: credit loan, no mortgage guarantee is required.