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2. How long is the personal consumption loan term of China Bank?
Term of personal consumption loan of China Bank: 1, and term of unsecured personal consumption loan of China Bank: the longest term shall not exceed 1 year. Customers who meet one of the following conditions may appropriately extend the restriction period for a maximum of 3 years: (1) high-quality enterprise management and key employees with strong strength, well-known brands, standardized management and stable wages and benefits; (2) BOC wealth management, wealth management and private banking customers with good credit status; (3) China Bank's existing mortgage customers with good credit status. 2. The term of personal mortgage consumer loan of China Bank: if the house is mortgaged, the longest period shall not exceed 30 years; If the commercial house is mortgaged, the longest period shall not exceed 10 years. The sum of the quota period and the construction period shall not exceed 30 years, and shall not exceed the remaining service life of the construction land occupied by the collateral. If the borrower applies for a credit line through multiple collateral combinations, the validity period of the credit line that a single collateral can apply for is the shortest. The term of individual unsecured consumer loan of China Bank is determined according to the specific purpose of the loan. The longest loan term for different purposes is as follows: for buying automobiles, large-scale durable consumer goods, immediate family members and legal wards to study abroad, education and training, etc. , the longest not more than 3 years; Used for other general consumption purposes, with a maximum of 1 year. The term of a single loan shall not exceed one year after the expiration of the quota. For special customer groups such as corporate annuity partners of Bank of China, the loan term is still implemented according to the requirements of relevant management measures. China Bank's personal housing mortgage consumer loan has a single term housing mortgage of no more than 65,438+00 years and commercial housing mortgage of no more than 5 years. And shall not exceed the term of the remaining right to use the construction land within the scope occupied by the collateral, and shall not exceed the expiration date of the quota. The maturity date of the loan is generally not later than the date when the borrower retires/stops production and business activities. When the loan expires, the borrower shall not be over 65 years old, and the age may be appropriately relaxed to 70 years old for customers who meet the bank's private banking and wealth management standards. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
3. How long can I apply for a consumer loan?
Different loan terms are different, such as: the term of personal car loan is generally not more than 3 years, and the longest is not more than 5 years; Your specific loan term can only be determined after reviewing your comprehensive information at the outlet!