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Personal mortgage loan:

I. Conditions

The applicant requires: a natural person with full capacity for civil conduct, and meet the following conditions:

1, valid identification;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. The down payment of 20% or more has been paid;

5. Other conditions stipulated by the lender.

Mortgage loan conditions:

1. The maximum amount of mortgage loan shall not exceed 80% of the total price of the purchased commercial house;

2. The loan term shall not exceed 30 years at the longest;

3. The loan interest rate shall be subject to the statutory interest rate of the People's Bank of China.

Second, how to check the progress of domestic bank loans?

Find a bank credit expert who will give you a loan.

3. How to check the progress of personal commercial loans of China Bank?

China Bank's personal commercial loan inquiry loan application progress: 1. You can log in to the personal online banking of Bank of China and inquire about the loan situation through the function of "Loan Management-Loan Inquiry and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. 2. You can also log in to the mobile banking of Bank of China and use the function of "Home Page-Loan-My Loan (or directly search for" My Loan "on the home page)-Select the corresponding loan-enter the loan details page and click three points in the upper right corner-view the contract" to inquire about the loan situation, including historical repayment, overdue, remaining repayment plan, loan amount, contract and other information. You can also change the repayment account and prepay. 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 GOAPP to handle related business.

4. How to check the progress of bank loans?

For example, you can check the loan approval progress under my name at Bank of China's mobile banking (operation route inquiry), personal online loan inquiry and setting-inquiry application progress) and "Bank of China Weizhong Bank" WeChat official account (operation route: Microfinance-Function Hall-My Loan).

After you apply for a loan at the Bank of China, you need to approve the loan, and you can only lend money after all the preconditions (such as mortgage registration) are completed. Therefore, it is recommended that you check the loan approval status through the loan handling bank.