I. Bank loan conditions

1, customer category

Civil servants, administrative institutions, large state-owned enterprises, public school teachers, public hospital doctors.

2. Income requirements

The monthly income before tax is more than 5000 yuan, and it is necessary to provide wage flow.

3. Working years: continuous work in the current unit for more than 6 months.

4. Attribute requirements

You need to provide proof that you have real estate in your name.

5. Industry restrictions

Applications from private owners, individual industrial and commercial households and other self-employed households will not be accepted temporarily.

Second, the application materials

1. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

2. Credit certification materials of the guarantor

3. Collateral assessment report issued by a socially recognized assessment agency.

4. Original and photocopy of the borrower's valid identity certificate.

5. Local permanent residence or valid proof of residence.

6. Income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy.

7. Pledge right, list of collateral and ownership certificate required for the borrower to obtain the pledge and mortgage amount. The written documents of the owner and the property that some people agree to pledge and mortgage.

8. The borrower also needs to provide the payment voucher for the hydropower property where the company is located and the payment voucher for the hydropower property at the personal address.

Extended data:

I. Term of the loan

The longest validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the longest validity period shall not exceed 5 years. The validity period of the credit line and the guarantee line shall be 2 years.

The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge line, mortgage line, guarantee line or credit line at the same time, the Construction Bank will verify the validity period of the borrower's personal consumption line loan according to the shortest line, and shall not continue to use the remaining line after the expiration of the validity period.

Second, bank loans related matters needing attention

1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.

2. The loan purpose should be legal and compliant, and the transaction background should be true.

3. According to your repayment ability and future income expectations, choose the repayment method that suits you.

4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.

5. Read the terms of the contract carefully and know your rights and obligations.

6. Repay on time to avoid bad credit records.

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.

8. Only communicate with the bank one month in advance can advance payment be made.

9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.