The borrower is not over 60 years old (only one borrower is eligible); The borrower's credit status is good, his income is stable, and his repayment ability meets the requirements of the Agricultural Bank; Houses purchased with personal housing loans as collateral; The service life of the state-owned land use right corresponding to the collateral shall not exceed 20 years; When the borrower applies for a revolving loan, the collateral can be an auction house or an existing house. If the collateral is an auction house, when the borrower applies for the second time within the maximum loan amount, the collateral must have obtained the real estate ownership certificate; Other conditions stipulated by the Agricultural Bank. Loan amount:
The revolving loan amount of individual housing is comprehensively determined according to the borrower's repayment ability and loan purpose, and the maximum revolving loan amount = housing mortgage value × mortgage rate.
If there is a demand for individual housing revolving loans, you can consult the local Agricultural Bank. The telephone number is as follows:
Zhengzhou: 0371-67773821; Kaifeng: 0378-3852246; Luoyang: 0379-63295025; Sanmenxia: 0398-2988577; Pingdingshan: 0375-8956629; Xuchang: 0374-2332105; Luohe: 0395-3172501; Anyang: 0372-3199116; Hebi: 0392-3335970; Xinxiang: 0373-3535220; Jiaozuo: 0391-2630216; Puyang: 0393-4403373; Shangqiu: 0370-2956707; Zhoukou: 0394-8910833; Zhumadian: 0396-2855077; Nanyang: 0377-63323872; Xinyang: 0376-6279087; Jiyuan: 039 1-6692392.