Bank of China provides "personal consumption loans", which are divided into personal mortgage consumer loans and personal unsecured consumer loans based on whether there is a mortgage.

Loan conditions include:

1. Natural persons who are over 18 years old and have full capacity for civil conduct;

2. Citizens of the People's Republic of China ;

3. Have a sustained and stable source of income, and have the ability and willingness to repay the principal and interest of the loan on time;

4. Have a good credit status, and have no bad credit records with Bank of China and peers. ;

5. If you apply for a personal mortgage consumer loan, you should also provide collateral recognized by Bank of China as a loan guarantee;

6. Before applying for a personal consumer loan, you need to open a deposit with Bank of China Account;

7. Other conditions stipulated by laws, regulations, regulatory agencies and handling agencies.

Due to differences in business processing in individual regions, please consult the Bank of China branch for details.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.