1. Loan target:

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

2. Meet the following conditions at the same time:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

3. Information to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

Personal loan procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

Personal loan repayment method

1. Repay in equal amount every month according to the provisions in the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term.

The amount, duration and interest rate of personal loans

1, personal housing loan

The maximum loan amount is 70% of the house price to be purchased; The longest loan period is not more than 30 years, generally 10 ~ 25 years; The interest rate varies with the length of the loan term, and is subject to the relevant regulations of the People's Bank of China.