1. Have permanent residency or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for specific conditions);
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3, has signed a contract or agreement to buy housing;
4. Must pay the down payment of the purchased house that meets the requirements of relevant laws and regulations;
5. Provide effective guarantee recognized by Bank of China;
6. Other conditions stipulated by the Bank of China.
The longest term of RMB personal housing loan shall not exceed 30 years. Banks will comprehensively consider the borrower's economic situation, age, mortgage, pledge and other factors.
Please consult the local branch of Bank of China for details.
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.