China citizens or overseas Chinese (Hongkong, Taiwan Province, Singapore) who have reached the age of 20 at the time of borrowing and have not reached the age of 65 at the time of final repayment.
Stable work income: the annual income is more than 3 million yen, about 6.5438+0.6 million RMB (for details).
2. Use of funds
Funds for construction/purchase of owner-occupied real estate (including refinancing from other financial institutions)
Funds for the construction/purchase of investment real estate (lease, etc.). ) (including subprime mortgages from other financial institutions)
Residential decoration and other purposes, need to provide proof of the use of funds.
3. Loan amount
In principle, it is more than 65.438+0 million yen and less than 300 million yen.
In principle, the upper limit is 50% and 70% of the transaction price (new house) or evaluation price (second-hand house).
According to the annual income and debt situation, there will be restrictions.
More than 300 million yen can be approved through separate consultation.
4. Term of loan
According to the use of funds, the loan period is different.
Self-occupation: 1 year but less than 25 years.
Investment/other: more than 1 year and less than 15 years.
5. Loan interest rate
Interest rate category: floating interest rate 2.5%-3.0%
The interest rates of loans issued by banks in China all adopt floating interest rates. Please pay attention to the loan adjustment. When the interest rate rises, the total repayment amount will rise because the repayment period remains unchanged, which may affect the final repayment amount.
According to the use of funds and the comprehensive conditions of customers, the interest rate is different.
For information about interest rates, please consult the branch.
6. Repayment method
Pay the principal and interest monthly. On the agreed repayment date, the total principal and interest will be deducted from the customer's repayment deposit account in China Bank.
The branch accepts partial prepayment/full prepayment.
Please consult the branches for the trial repayment amount.
7. guarantee
For the land and building mortgage of the financing object, Bank of China is the first guarantor (the mortgage establishment fee shall be borne by the customer).
8. Information required by the lender
Copy of identity certificate (passport, ID card)
Health certificate (blood, urine, chest X-ray, height, weight, vision and hearing) (original)
Original employment certificate, income certificate and tax payment certificate for the last three years (if the buyer's income is insufficient, the spouse should also provide it).
Original personal credit status certificate issued by Credit Information Center of China People's Bank.
Copy of the latest bank statement 1 year (also provided when the spouse's income is insufficient)
Personal statement notarized certificate (name, gender, date of birth, passport number, ID number, address, signature and seal)
The spouse of the married person should be a joint debtor or submit an informed statement and marriage certificate (copy)
Original proof of unmarried or divorced (if applicable)
Letter of entrustment (when the co-debtor cannot be present on the day of account opening)