1. The borrower himself has legal and complete ownership, the mortgaged property (including houses and commercial buildings) conforms to the provisions of the Guarantee Law, and the farmers' housing property rights conform to the requirements of the Measures for the Administration of Farmers' Housing Property Rights Mortgage Loan of our Bank, and has not been mortgaged to other creditors (it has been mortgaged to the bank according to the previous loan contract, except for those that should be handled by the original agency).

2. When applying for personal consumption loan with collateral owned by a third party or shared by the borrower and the third party, the owner of the collateral or the owner with the same ownership must sign all relevant documents at the bank with his valid identity certificate. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *.

3. Commercial houses used as collateral must have independent property rights, can be disposed of separately, and have good location and great appreciation potential (refer to local BOC outlets for specific standards).

4. If the borrower has multiple mortgages, he can apply for one mortgage revolving line or multiple mortgage revolving lines respectively, but multiple mortgage revolving lines cannot use the same mortgage.

Due to the differences in business in individual regions, please consult the acceptance branch of China Bank or call the customer service hotline of China Bank at 95566 for details.

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 GO APP to handle related business.