Personal mortgage (pledge) revolving loan is a financing convenience product provided by the bank based on the credit status of individual customers and the mortgage and pledges approved by the bank provided by the customer. The borrower can The loan can be recycled within the limit approved by the bank. 1. Loan conditions The borrower should provide bank-approved collateral (pledge) as loan guarantee; the borrower should open a deposit account at Bank of China. 2. Loan term The term of a single payment under the personal mortgage (pledge) revolving loan line is generally 3-5 years, and for particularly high-quality customers, it is 5-10 years. 3. The loan interest rate shall be based on the loan interest rate of the corresponding grade announced by the People's Bank of China according to the length of the loan term. 4. Loan limits are divided by region. The maximum limit for a single customer's personal mortgage (pledge) revolving loan ranges from 4 million yuan to 20 million yuan. 5. Repayment methods: equal principal and interest repayment method; equal principal repayment method, etc. 6. Loan application Information required to apply for a personal mortgage (pledge) revolving loan: 1. "Application Form for Personal Mortgage (Pledge) Revolving Loan Quota"; 2. Valid identity certification materials; 3. Occupation certification materials and income certification materials ; 4. Relevant certificates such as academic qualifications and skills; 5. Mortgage ownership materials and valuation documents; 6. Other materials that can prove personal confidence; 7. Other materials required by the bank. 1. Natural persons with full capacity for civil conduct; 2. Citizens of the People’s Republic of China or residents of Hong Kong, Macao, Taiwan and foreigners who have lived continuously in the territory of the People’s Republic of China for more than one year (including one year) ;3. Have a fixed residence and stable income, have no bad credit record in Bank of China and other financial institutions, and have the ability to repay the principal and interest of the loan on time;