To apply for personal consumption loans, 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 real estate at the place where the loan is applied;
3. Have a continuous and stable source of income, and have 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 in BOC and its peers;
5 to apply for personal mortgage consumer loans, but also to provide collateral recognized by China Bank as a loan guarantee;
6. You need to open a deposit account with BOC before handling personal consumption loans;
7. Other conditions stipulated by laws, regulations, regulatory agencies and China Banking Regulatory Authority.
Those who apply for unsecured personal consumption loans shall 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 continuous and stable sources of operating income (operating for more than 2 years).
3. Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.