1. Application process: 1. The applicant submits the purchase information, pays the down payment, and signs the commercial housing sales contract; 2. The applicant submits a written application for individual first-hand housing loan and provides the above application materials; 3. The bank agency comprehensively evaluates the credit status and solvency of the applicant and guarantor, conducts pre-loan investigation through interviews, telephone verification and home visits, and completes customer information verification; 4. After accepting the loan application, the bank agency shall conduct corresponding examination and approval; 5. After the loan application is approved, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and personally go to the bank agency to sign the relevant contract and go through the formalities of using the money within the specified time; 6. The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and authorizes the lender to deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date.
2. E-banking application method: China Bank currently supports customers in some areas of China to apply for loans in e-banking. Please select from the drop-down menu of personal online banking and mobile banking online loan application function or the map of official website Bank's online loan application function in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. Thirdly, online loan application has two functions: loan application and application progress inquiry.