ICBC mortgage:

Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption.

Loan terms:

A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement).

Have a good credit record and willingness to repay.

Have a stable source of income and the ability to repay the loan principal and interest in full and on time.

There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market and futures market in any form, and will be used for equity investment and real estate project development, and will not be used for borrowing to seek illegal income and other projects explicitly prohibited by national laws and regulations.

Can provide legal, effective and reliable housing mortgage loans recognized by banks.

Open a personal settlement account in China Industrial and Commercial Bank.

Other conditions stipulated by the bank.