The maximum loan amount for personal commercial housing of Bank of China is 50% of the total price of purchased commercial housing (the principle of low appraisal price or transaction price is implemented for personal second-hand commercial housing), and the loan amount for commercial and residential dual-use housing does not exceed 55%. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail.

Tips:

1. If the price of commercial housing purchased by customers of Shanghai Branch is 20% higher than the average price of similar houses around, the loan ratio shall be reduced by10%;

2. If you need to consult BOC outlets, you can click the Life-outlets Queuing function in BOC Personal Mobile Banking to inquire BOC outlet information (you don't need to log in to BOC Personal Mobile Banking).

(Answer time: March 6, 2024)

The above contents are for your reference. Please refer to the actual business regulations.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.