Second, the basic provisions:

Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old;

Loan amount: The maximum credit amount is basically unlimited.

Loan term: the loan term is generally 1 to 3 years (inclusive);

Loan interest rate: subject to the provisions of bank loan interest rate;

Guarantee mode: mortgage, pledge and guarantee are adopted for the guarantee, but the guarantee simply provided by a third party is not accepted.

Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

Three. Application materials to be provided:?

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse; (2) Proof of the borrower's spouse's commitment to repayment; ?

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement; ?

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities; ?

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property; ?

(7) Collateral appraisal report issued by the appraisal department recognized by the bank; ?

(eight) other information required by the bank. ?

Fourth, the handling process:?

Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

Issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.