1. The age of the borrower should be above 18 years old (inclusive), and the sum of the borrower's age and the loan term should not exceed 65 years old;

2. Have full capacity for civil conduct and hold valid identity documents;

3. Business compliance and stable income;

4. Have the license required for operation and have been engaged in homestay operation in the local area for at least one year (inclusive). If the borrower is engaged in lease operation, the operating period shall be more than 3 years in principle;

5. Good credit record, no record of overdue loans or malicious overdraft of bank cards;

6. Other conditions stipulated by the bank.

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.