1. To apply for personal consumption loan, you must meet the following basic conditions:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct.

(2) People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements, and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property in the place where the loan is applied.

(3) It has a continuous and stable income source, and has the ability and willingness to repay the loan principal and interest on schedule.

(4) The credit status is good, and there is no bad credit record among banks and peers in China.

(5) To apply for personal mortgage consumer loans, collateral recognized by China Bank should also be provided as loan guarantee.

(6) Before handling personal consumption loans, you need to open a deposit account with BOC.

(seven) other conditions stipulated by laws and regulations, regulatory agencies and China bank agencies.

2. Those who apply for unsecured personal consumption loans should also belong to the following customer groups:

(1) Employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.

(2) Self-employed individuals with a continuous and stable source of operating income (with an operating life of 2 years or more).

(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.

Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call +86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.

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.