1. After the loan is approved, the handling bank and the customer sign the Personal Loan Contract (version 20 15), Personal Loan Mortgage Contract (version 20 15) and Personal Loan Guarantee Contract (version 20 15) in person to complete the mortgage registration.

2. Management and payment of recoverable personal ship loan amount:

(1) Prerequisites for signing the agreement and reviewing the line:

After the approval of the revolving personal ship loan line, the handling bank shall seriously implement the approval conditions, including signing the Personal Revolving Loan Line Agreement (version 20 15), the Personal Revolving Loan Maximum Mortgage Contract (version 20 15) and the Personal Revolving Loan Maximum Guarantee Contract (version 20 15) with customers.

The handling bank shall implement the preconditions of the loan amount according to the business approval or the approval opinions of the approver, and report the materials to the central loan review group for review.

The starting date is the business approval date of the provincial branch or the date when the approver signs the approval opinions in the system. If the mortgage registration, signing the line agreement and other related procedures are not handled within 6 months (including 6 months), the loan needs to be re-submitted to the provincial branch of China Bank for approval.

When making a single payment under the reusable personal ship loan line, the handling bank should fill in the On-site Checklist of Collateral (if the loan line is less than half a year since the loan line was approved or the last loan time is more than half a year, it is not necessary to fill in it), and the customer should fill in the Application Form for Personal Revolving Loan Line and sign the Personal Mortgage Revolving Loan Contract (20 15 Version) and the IOU with the customer. For details, please refer to the business processes related to personal business loans of China Bank.

(2) Freezing, unfreezing and early settlement of the reusable personal ship loan line (the loan term exceeds 1 year and the borrower's repayment time has exceeded 1 year, and liquidated in advance without penalty) shall be handled with reference to the relevant business processes of personal business loans.

3. For a single boat loan exceeding RMB 500,000, the relevant loan and guarantee contract shall be agreed according to the purposes agreed in the loan contract, and the Interim Measures for the Management of Working Capital Loans and the Interim Measures for the Management of Fixed Assets Loans shall be observed accordingly, so as to fully implement and reflect the relevant regulatory requirements.

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.