1. The age of the mortgaged property must be within 20 years (inclusive) and the construction area must be above 80 square meters (inclusive);
2. The value of collateral is higher than 6,543,800 yuan (inclusive);
3. The collateral basically follows the scope of small Hangzhou (the main city of Hangzhou and Yuhang Xiaoshan);
4. Third party mortgage is not supported; ?
5. Applicable subject: a natural person who has reached the age of 18 and has full capacity for civil conduct; ?
6. Age: The sum of the borrower's age and the loan term shall not exceed 65 years old; ?
7. Household registration: having a local permanent residence or long-term residence certificate and a fixed residence.
Requirements for collateral of CCB's small loan:
Collateral type and loan ratio: 70% for individual ordinary housing and 50%-60% for commercial housing along the street; Villa/townhouse 50%; Office buildings and self-use office buildings are 40%.
Meet the collateral access standards: the age of the mortgaged property must be within 20 years (inclusive) and the construction area must be above 80 square meters (inclusive); The value of collateral is higher than 6,543,800 yuan (inclusive).
Extended data:
Application materials:?
1, China Construction Bank personal micro-credit loan application form. ?
2. The original and photocopy of the valid identity certificate, marital status certificate and income certificate of the borrower and spouse. ?
3. Proof of local permanent residence or long-term residence. ?
4. Customers with existing individual housing loans must also provide the loan contract of the original individual housing loan and the repayment record of 1 year or more. ?
5. Customers who deposit the provident fund must also provide the information of the provident fund account and the recent 1 year record of the provident fund deposit. ?
6. The customer of the wage company must also provide the statement of the last year or the running water and account details of the wage account. If the annual running water cannot fully reflect the income level of the borrower, the customer can be asked to provide a longer-term statement according to the specific situation. ?
7. Other relevant materials required by the handling bank.
Baidu Encyclopedia-Personal Consumption Loan of China Construction Bank