(1) Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);
(two) have a stable professional and economic income, good credit, the ability to repay the principal and interest of the loan;
(3) A house purchase contract or agreement has been signed; (4) Must pay the down payment of the purchased house that meets the requirements of relevant regulations; (5) Provide effective guarantee recognized by the lender, etc.
2. To apply for a personal first-hand housing loan, you need to submit the following information:
(1) loan application;
(2) Legal and valid identity documents;
(3) proof of marital status;
(4) proof that the down payment of the purchased house has been paid;
(5) Proof of economic income recognized by the lender;
(6) Purchase contract, agreement or other valid documents;
(7) List of mortgage (pledge) secured by the loan, certificate of ownership, certificate of consent of the mortgagee (pledge) and collateral valuation documents;
(eight) written documents and credit certificates of the guarantor's agreement to provide guarantee for him;
(9) Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results.
As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.
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.