1. To apply for personal consumption loan from China Bank, 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 property at the place where the loan is applied;
(3) It has a continuous and stable source of income and has 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 China banks and peers;
(5) To apply for personal mortgage consumer loans from China Bank, collateral recognized by China Bank shall also be provided as loan guarantee;
(6) Before handling the personal consumption loan of BOC, you need to open a deposit account with BOC;
(seven) other conditions stipulated by laws, regulations, regulatory agencies and agencies.
2. Those who apply for personal consumption loans pledged by China Bank without mortgage 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 operating income sources (with operating years of 2 years or more);
(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
What are the provisions on the handling of personal consumption loan collateral in China Bank?
The collateral of personal consumption loan of China Bank shall meet the following conditions:
1. The borrower himself has legal and complete ownership, the mortgaged property (including houses and commercial buildings) conforms to the provisions of the Guarantee Law, and the farmers' housing property rights conform to the provisions of the Measures for the Administration of Farmers' Housing Property Rights Mortgage Loans of Bank of China, and have not been mortgaged to other creditors (they have been mortgaged to Bank of China according to previous loan contracts, except those that should be handled by the original agency).
2. When applying for personal consumption loan from China Bank with collateral shared by a third party or the borrower and the third party, the owner of the collateral must personally go to the bank to sign all relevant documents with his valid identity certificate. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *.
3. Commercial houses used as collateral must have independent property rights, can be disposed of separately, and have good location and great appreciation potential (refer to local BOC outlets for specific standards).
4. If the borrower has multiple mortgages, he can apply for one mortgage revolving line or multiple mortgage revolving lines respectively, but multiple mortgage revolving lines cannot use the same mortgage.
Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.
Is there an age requirement for personal mortgage loan of China Bank?
To apply for personal consumption loan, you must be a natural person who is at least 18 years old and has full capacity for civil conduct. 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.
What materials do I need to apply for personal consumption loan from China Bank?
You apply for personal consumption loan from China Bank to the handling bank of China, fill in the loan application form and provide the following materials:
1, valid identification materials, and married customers must also provide spouse identification materials.
2. Proof of marital status.
3. Proof of income/assets:
(1) employee: provide the income certificate issued by the personnel department or the labor department of the unit (with official seal, indicating the contact person's name and fixed telephone number); And provide any one of the tax bill, provident fund deposit record, social security certificate and salary bank account in the last six months.
(2) Self-employed: the transaction flow of the bank's main business current account in the last year should be provided; At the same time, it also provides the tax bill for the previous year. If there is real estate rental income, a real estate rental contract is required.
If it meets the standards of high-end customers of BOC, it shall also provide the financial assets certificate of the last 6 months output by BOC system, and affix the official seal of the business.
4. Professional certification materials:
Professional and technical qualification certificate/practicing qualification certificate, business license, etc.
5. Credit inquiry authorization (married customers, including spouses).
6. To apply for personal mortgage loan from Bank of China, the ownership and appraisal documents of the collateral shall be provided, including but not limited to the house sales contract, real estate license, appraisal report issued by an appraisal agency recognized by Bank of China, etc.
7. Guarantor's materials (if necessary): basic information and financial proof materials of the guarantor (refer to the borrower's requirements for providing materials).
8. Other materials required by the agency of China Bank.
Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
So much for the introduction of China Bank's mortgage consumption loan.