Within one year (including one year) 4.35%

Second, medium and long-term loans

One to five years (including five years) 4.75%

More than five years, 4.9%

First, product advantages:

1./kloc-citizens over 0/8 years old with independent civil capacity and financial resources can participate in the application.

2. The loan term can be selected, the shortest term is not limited, and the longest is three years.

3. The repayment method is flexible and can be selected.

4. The lending speed is fast.

Second, the loan conditions:

1. In principle, he has permanent residence in Langfang or other legal residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. The house renovated by the loan shall be intact;

4. Assets recognized by Langfang Bank are used as collateral or pledge, or units or individuals with sufficient compensatory capacity are used as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. Other conditions considered by Langfang Bank.

Three. Application materials:

1. Loan application

2. The identity certificate, household registration book and marriage certificate of the borrower and spouse.

3 proof of economic income or solvency (such as the borrower's income certificate, tax payment certificate or professional certificate, etc.). );

4. Certificate of house decoration (original and photocopy)

5. Proof of loan purpose (such as renovation contract, etc.). )

6. The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the mortgage (pledged) loan amount, the written document of the owner and the guarantee commitment that someone agrees to pledge or mortgage the property or the guarantor agrees to guarantee;

7. Other materials required for Langfang Bank to approve the borrower.

Fourth, what about loans overdue's arrival?

1, the best way for loans overdue is to pay off the overdue part quickly.

2. loans overdue has some negative effects and needs to be treated with caution.

3. Legal basis: Article 577 of the Civil Code stipulates that if a party fails to perform its contractual obligations or fails to perform its contractual obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. According to the contract, compensate the corresponding liquidated damages and bear the liability for breach of contract.