1. The applicant submits the purchase information, pays the down payment, and signs the commercial housing sales contract;

2. The applicant submits a written application for personal first-hand housing loan and provides relevant application materials;

3. The bank agency comprehensively evaluates the credit status and solvency of the applicant and guarantor, conducts pre-loan investigation through interviews, telephone verification and home visits, and completes customer information verification;

4. After accepting the loan application, the bank agency shall conduct corresponding examination and approval;

5. After the loan application is approved, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and personally sign the relevant contract at the bank agency within the specified time to go through the formalities of using the money;

6. The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and authorizes the lender to take the initiative to deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date.

Please consult local institutions for specific requirements.

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.