The full name of "Guangfa Microfinance" is "Personal Consumption Loan of Guangfa Bank";
Personal consumption loan refers to the personal consumption loan issued with the house owned by the borrower himself or a third person who has the right to dispose of it according to law as collateral, or with the pledge or other mortgage (pledge) recognized by the bank as guarantee.
Loan terms:
1. Age: 18-65 years old (the sum of the applicant's age and the loan period shall not exceed 65 years old);
2. Identity: having local permanent residence or valid residence status;
3. Job requirements: Have a proper occupation and a stable and reliable source of income, and have the ability to repay the principal and interest of the loan on schedule;
4. Debt requirement: The total monthly debt of the applicant's family shall not exceed 55% of his family's monthly income.
5. The number of consecutive overdue times in the personal credit report in the past two years shall not exceed two in principle, except that it can provide corresponding information to prove that there is no malicious overdue behavior.
Application materials:
1, personal ID card;
2. Household registration book;
3. Three certificates of real estate;
4. Work/income certificate;
5. Proof of loan use.