1, a natural person who has reached the age of 18, the age at the end of the loan period is not more than 65, and the wealth and private banking customers of China Bank are not more than 70, with full capacity for civil conduct;
2. China citizens, including Hong Kong, Macao and Taiwan residents who have worked in China for 1 year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China, and Hong Kong, Macao and Taiwan residents should own their own real estate in Shanghai;
3. Have a continuous and stable source of income, and have 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 BOC and its peers;
5 to apply for personal mortgage consumer loans, but also to provide collateral recognized by China Bank as a loan guarantee;
6. You need to open a deposit account with BOC before handling personal consumption loans;
7. Meet the anti-money laundering and sanctions compliance requirements of Bank of China;
8. Other conditions stipulated by laws, regulations, regulatory agencies and agencies.
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.