Who are the applicable objects of Bank of China personal business loans?

Applicable objects of personal business loans of Bank of China:

Natural persons include individuals, rural contract operators, individual industrial and commercial households approved and registered in accordance with the law, small and micro business owners, etc. For detailed information, please consult the Bank of China acceptance outlet.

Who is Bank of China’s fixed-rate personal housing loan applicable to?

The Bank of China’s fixed-rate personal housing loans are applicable to:

The fixed-rate personal housing loans are applicable to natural persons with full capacity for civil conduct. Borrowers can choose whether to apply for a fixed-rate loan when applying for a personal first-hand housing loan and a personal second-hand housing loan from Bank of China. Due to differences in business in individual regions, please consult a Bank of China acceptance outlet for detailed information or call the Bank of China customer service hotline 95566 for manual service consultation.

The above content is for your reference, please refer to actual business regulations.

What conditions do individuals need to meet for loans from banks?

Nowadays, banks generally provide mortgage loans. The necessary items are ID cards and household registration books. If you are married, you also need to provide your spouse’s ID card. , household registration book, marriage certificate, the most important thing is the state-owned land use certificate and real estate certificate, income certificate, asset certificate, repayment source certificate, it is better if there is a guarantor. Regarding interest rates, each bank is different. Please consult your local bank for details.

Personal loan targets and conditions:

1. Loan targets:

1. Chinese citizens with full capacity for civil conduct and overseas residents with the right of abode in mainland China , foreign citizens;

2. Pay the first installment of the house purchase payment (not less than 30% of the total purchase price);

3. Have stable economic income and be able to repay the principal and interest of the loan. Ability;

4. Agree to use the purchased property as collateral for the loan.

2. Meet the following conditions at the same time:

1. Hold a legal household registration book (not limited to this city), ID card or business license, legal representative certificate or legal residence permit, passport , purchase commercial housing from a bank-designated developer in this city;

2. Open a special deposit account in the bank, with the deposit balance not less than 30% of the payment for the house to be purchased;

3 , Have a valid house purchase contract, agreement and other supporting documents;

4. Agree to use the property under the house purchase contract as a mortgage;

5. Be willing to fulfill all the terms of the loan contract ;

6. Other conditions specified by the bank.

Three materials that need to be issued and provided:

1. Original and copy of resident ID card;

2. Original and copy of house subscription letter; < /p>

3. The original and copy of the down payment;

4. Proof of monthly payment ability, including: proof of personal and family income, deposit certificate (passbook or other securities) )wait.

What are the requirements for a personal loan?

Hello, general loans require: 1. The borrower is between 22 years old (inclusive) and 65 years old, and has complete capacity for civil conduct. \ 2. Good credit score, repayment ability and source of repayment. \ 3. The purpose of borrowing must be clear and legal. Borrowings must not be used to engage in speculative business activities in equity, securities, and futures. Borrowings must not be used to engage in real estate speculation. Borrowings must not be used to obtain illegal income. \ 4. There is collateral (the collateral cannot be mortgaged across provinces, the borrower has complete disposal rights, the collateral has not been mortgaged, and there is no law).

What is a bank personal loan and what are the loan objects?

A bank personal loan is a small, short-term or long-term or large amount issued by the bank to customers for legal business activities. RMB loans. The personal loans provided by various banks are different, and generally include the following types: personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal valuable documents and personal small credit loans. Loan target conditions: 1. Chinese citizens with full capacity for civil conduct and overseas and foreign citizens with the right of residence in mainland China; 2. Pay the first installment of the house purchase payment (not less than 30% of the total purchase price); 3. Have Stable economic income and the ability to repay the principal and interest of the loan; 4. Agree to use the purchased property as collateral for the loan.

1. You must have collateral to get a loan, and the sum of the loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of the collateral; 2. Have a long-term and stable source of income that is sufficient to pay the monthly loan principal and interest; 3. Guarantor; 4 .Identity card, household registration book, marriage status certificate, income certificate, real estate certificate, and the guarantor’s ID card, household registration book, marriage status certificate and other relevant information that the bank needs to provide. You also need to pay lawyer witness fees, mortgage registration fees, mortgage property insurance premiums, property appraisal fees, etc.