Repayment method:

If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly.

Whole house mortgage loan process:

◆ The borrower applies and submits relevant materials.

◆ Conduct real estate appraisal and pre-loan investigation and approval.

◆ Pass the examination and approval and go through the mortgage registration formalities.

◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.

◆ Settle the loan principal and interest and recover the mortgaged house.

Information to be provided for full mortgage loan:

Personal identification, household registration book, proof of residential address and proof of marital status.

◆ Personal income certificate or asset status certificate.

◆ Proof of property right of mortgaged house.

◆ If the applicant mortgages other people's property, it is also required to provide the ID card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage.

Application conditions for full mortgage loan:

The lender is a natural person with full civil capacity, good credit, stable income and the ability to repay the loan principal and interest on schedule.

Loan amount:

With personal housing mortgage loan, the maximum loan amount can reach 80% of the housing value; With individual commercial housing (shops, office buildings) as collateral, the maximum loan amount can reach 60% of the value of commercial housing.

Loan term:

For the purpose of buying a house, the loan period can be up to 30 years; For car purchase, decoration, education, large consumption and other purposes, the longest loan period can reach 10 year.

Loan interest rate:

Implement the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately.