BOC Lexiang Loan is a mortgage consumer loan specially designed for individual consumers. Unsecured real estate, real estate where the commercial bank of the application place is the first mortgagee, and real estate where the commercial bank of the application place and the real estate guarantee company are the first mortgagees can be used. The maximum loan amount is 200,000 yuan.

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.