Must be at least 18 years old with full capacity for civil conduct, with permanent residence in cities and towns or legal and valid residence certificate.

1. loan purpose:

It is used to support individuals to buy and renovate houses in Chinese mainland towns. At present, its main products are mortgage plus installment guarantee personal housing loan, which is commonly known as "personal housing mortgage loan".

2. Loan objectives:

China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

3. Loan conditions: The borrower must meet the following conditions:

Have a legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank; Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; Having assets approved by the lending bank that can be used for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; Other conditions stipulated by the lending bank.

4. Loan amount:

The higher loan amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);

5. Loan term: Generally, the longest loan term does not exceed 30 years.

6. Loan interest rate: If the loan term is less than 5 years (including 5 years) and more than 5 years, the annual interest rate of the loan is different. (according to the actual situation of local governments).

7, apply for a loan should be submitted to the information:

(1) individual housing loan application;

(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons who have the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);

(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;

(4) Contracts, agreements and relevant approval documents for legal purchase (overhaul) of houses;

(5) List of rights of collateral or pledge and ownership certificate, certificate of consent to mortgage or pledge issued by the person deprived of rights, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;

(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

(7) The borrower intends to provide the loan bank with bank deposit certificates, voucher-type treasury bonds and other securities for pledge;

(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;

(9) House sales (pre-sale) license or house property certificate (existing house) (copy);