Term of individual first-hand housing loan of China Bank:
The longest term of RMB personal housing loan shall not exceed 30 years. Bank of China will comprehensively consider the borrower's economic situation, age, mortgage and pledge.
The above contents are for your reference. Please refer to the actual business regulations.
Term of personal consumption loan of China Bank
1. Term of unsecured personal consumption loan: the longest term shall not exceed 1 year.
2. Term of personal mortgage consumer loan: if the house is used as mortgage, the longest period shall not exceed 30 years; Where commercial housing is mortgaged, the longest term shall not exceed 10 year. The sum of the quota period and the building age shall not exceed 30 years, and shall not exceed the remaining service life of the construction land occupied by the collateral. Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the loan term of BOC e-loan?
Term of electronic loan of BOC:
The credit line of BOC E loan is one year, and you can make any repayment within the credit line. Bank of China E-Loan can also withdraw money on the maturity date of the credit line, and the longest period of any single withdrawal is 12 months. After approval, a quota will be created for you in the core system, and the validity period of this quota is 12 months.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the term of personal revolving loan for online banking of China Bank?
The shortest term of personal revolving loan for online banking of Bank of China is 1 month, and the longest is no more than one year, and it shall not exceed the remaining term of personal mortgage (pledge) revolving loan and personal unsecured revolving loan. Due to the differences in business in individual regions, please enter BOC online customer service manual service or call BOC customer service hotline 95566 (overseas, Hong Kong, Macao and Taiwan please call 86 10-95566) for details, or contact BOC outlets nearby for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
Do you know how long the term of personal housing loan with fixed interest rate of Bank of China is?
Term of personal housing loan with fixed interest rate of China Bank:
For the purchase of a first-hand house, the total loan period shall not exceed 30 years; If you buy a second-hand house, the loan period shall not exceed 30 years, and the sum of the house age and the loan period shall not exceed 30 years. Under this premise, individual housing loans have two fixed interest rate terms:
1, 3-year fixed interest rate: in the first 3 years of the loan period, the interest rate is fixed; If the term of the housing loan applied by the borrower exceeds 3 years, the borrower can choose to use floating loan interest rate or fixed interest rate for the remaining loan term after 3 years, and confirm with the Bank of China in writing. When signing the loan contract, the borrower can purchase the interest rate option from the Bank of China, so that it has the right to choose to continue to execute at the interest rate of the previous three-year period in the second three-year period (that is, the loan term is 4-6 years) or at the listed interest rate on the execution date of the option (this option cannot be executed in advance).
2.5-year fixed interest rate: in the first five years of the loan period, the interest rate is fixed; If the term of the housing loan applied by the borrower exceeds 5 years, the borrower can choose to use floating loan interest rate or fixed interest rate for the remaining loan term after 5 years, and confirm with the Bank of China in writing.
The above contents are for your reference. Please refer to the actual business regulations.
What is the longest loan period of Bank of China E loan in China Bank?
The credit line of BOC E loan is one year, and you can make any repayment within the credit line. Bank of China E-Loan can also withdraw money on the day when the credit line expires, and the longest period of any single withdrawal is 12 months. After approval, a quota will be created for you in the core system, and the validity period of this quota is 12 months.
The above contents are for your reference. Please refer to the actual business regulations.