1. Loan amount, term and interest rate: the loan amount guaranteed by a third party or other assets pledge shall not exceed 70% of the borrower's comprehensive income or 50% of the family's comprehensive income within the loan period, and the maximum loan amount shall not exceed 300,000 yuan, and the longest loan period shall not exceed 10 year; The loan amount secured by the pledge of wage income right shall not exceed 90% of the total wage income of the borrower within the loan period, and the loan period shall not exceed 5 years. The interest rate shall be subject to the regulations of the People's Bank of China and the relevant regulations of the Bank.

2. Handling process: refer to the personal housing (commercial housing) renovation loan process.

3. When applying, you need to provide the following materials:

(1) Legal and valid ID cards, household registration books and other valid proof materials of residence of the borrower and spouse;

(2) proof of marital status;

(3) Proof of the borrower's economic income or family comprehensive income (including salary slip and supplementary salary certificate);

(4) The personnel department of the borrower's unit issued a letter of commitment to inform the borrower of personnel changes in advance;

(5) Other information required by the bank.