1. Mortgage of housing or commercial and residential housing. The borrower can provide mortgage (including secondary mortgage) for housing or commercial and residential dual-use housing in the name of himself or his immediate family members, which is only applicable to consumer and business purposes and is implemented according to the detailed rules of personal business loan products.

(1) If the house is mortgaged, the maximum loan amount shall not exceed 70% of the house value, and the longest loan period shall be 30 years, and the sum of the house age and the loan period shall not exceed 50 years.

(2) All commercial and residential dual-use houses (including business apartments and apartments). As collateral, the maximum loan amount shall not exceed 50% of the property value, the longest loan period shall be 65,438+00 years, and the sum of the house age and loan period shall not exceed 30 years.

2. Mortgage of housing or commercial/residential dual-use house+guarantee from a third-party institution: mortgage of housing or commercial/residential dual-use house (including secondary mortgage) under the name of the borrower or immediate family members is provided by a third-party institution recognized by the bank (such as a guarantee company and a small loan company). For commercial purposes only.

(1) The loan proportion and service life shall be implemented according to the provisions of collateral reference guarantee method 1.

(2) If the collateral is residential, it shall be managed by the personal credit information department in the form of a list, and the property scope where the collateral is located shall be dynamically updated; Collateral for residential, not included in the list, the loan ratio shall not exceed 60%. Customers with existing mortgage loans who regularly contribute to the second mortgage for more than one year are not restricted by the above list.

(3) The real estate value is determined by the total value of the formal appraisal report or simple appraisal report issued by the appraisal company recognized by the bank.

3. According to the actual needs, other guarantees can be added on the basis of the above two guarantee methods.

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.