To handle the personal mortgage (pledge) revolving loan business in China Bank, the collateral should meet the following conditions: (1) I have legal and complete ownership, mortgaged real estate (including residential and commercial housing) that meets the requirements of the Guarantee Law, and farmers' housing property rights that meet the requirements of the Bank's Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights, and have not been mortgaged to other creditors (it has been mortgaged to the bank according to previous loan contracts, but (2) When applying for personal consumption loan with collateral owned by a third party or shared by the borrower and the third party, the owner of the collateral or the owner must present his valid identity certificate to the bank to sign all relevant documents. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *. (3) Commercial houses used as collateral must have independent property rights and can be disposed of separately, with good location and great appreciation potential (refer to local BOC outlets for specific standards). (4) If there are multiple collateral, you can apply for one mortgage turnover line or apply for multiple mortgage turnover lines separately, but multiple mortgage turnover lines cannot use the same collateral.

Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

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.