1. Introduction to Fangyidai The "Fangyidai" business refers to individual customers who comply with the regulations of the Bank of Nanjing, using their own properties as mortgage guarantee, and granting certain credit to customers according to specific credit conditions and requirements. A personal mortgage loan business that allows customers to use the credit line within the agreed credit limit and period for personal and family consumption purposes.
2. Application conditions for Fangyidai 1. Chinese citizens with local household registration or valid residence certificate; 2. Have a stable career and legal source of economic income, and have the ability to repay principal and interest on schedule; 3. Be 21 years old or older (inclusive) and the sum of age and credit (or loan) period should not exceed 60 years old for men and 55 years old for women; 4. Credit record meets the requirements of Bank of Nanjing; 5. Be able to provide housing that meets the requirements of Bank of Nanjing. Commercial housing, commercial and residential housing.
3. Flexible repayment features of Fangyidai: Interest can be paid monthly during the credit period, and the principal can be repaid upon maturity; Simple procedures: one mortgage, reusable, no need to repeat; Smooth process: online banking, mobile phone The bank can use the money and repay it by itself; More cost savings: Interest is calculated on a daily basis, and you can borrow and repay as you go, no payment is required, and no interest is calculated; Purpose of the loan: For personal and family consumption, such as decoration, car purchase, and garage space. Weddings, travel, studying abroad, large-amount durable goods consumption, etc.
4. Fangyidai application process - bank review - contract signing - mortgage registration - loan disbursement - self-service repayment.