Credit limit: personal mortgage consumer loans shall be calculated from the following two dimensions, and the credit limit shall be determined with the lower one, and the credit limit shall not exceed100000:
1. If the term of income level is within one year (inclusive), in principle, it shall not exceed twice the annual income of the borrower's family, and the maximum shall not exceed three times the annual income. If the term of the credit line is more than one year, the proportion of the principal and interest income of the customer's family shall be calculated according to the term of the credit line, so as to ensure that the monthly income of the family can at least cover the sum of the principal and interest payable every month after deducting the average living cost of the local family.
2. Mortgage interest rate
(1) The mortgage rate shall meet the following conditions: housing: if the age of the mortgaged property is below 10 (inclusive), the mortgage rate shall not exceed 70% at the highest; If the age of the mortgaged property is over 10 and under 20 years (inclusive), the mortgage rate shall not exceed 60%; If the mortgage period exceeds 20 years, the mortgage rate shall not exceed 50%. Commercial housing: if the mortgage age is below 10 year (inclusive), the mortgage rate shall not exceed 50% at the maximum; If the age of the mortgaged property is more than 10 and less than 20 years (inclusive), the mortgage rate shall not exceed 45%; If the mortgage period exceeds 20 years, the mortgage rate shall not exceed 40%. Institutions should reasonably evaluate the value of collateral in combination with the local market price level and the real estate market trend.
(2) If it has been mortgaged to our bank according to the previous loan contract, the sum of the amount and the remaining principal of the original loan shall not exceed the mortgage interest rate determined in the original loan contract.
Single use amount: the single use amount of personal consumption loan shall not exceed 80% of the required funds in the proof materials of consumption use.
3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
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