Personal housing mortgage loan
personal housing mortgage loan is issued to the customer to customer (including spouses) name property is mortgaged, for business, consumer, and other compliance purposes Yuan of secured loans.
☆ product characteristics 1. Loans was multi-purpose: can be used for business, cars, education, health care, large consumption of durable goods and other legal compliance purposes;
2. Wide range of collateral: customer (including spouses) name in the housing, commercial, commercial and residential housing can be used for mortgage
3. Credit: the maximum value of the mortgaged property 70%;
4. With revolving loan function: a mortgage, recycling, hop by hop, convenient, and available via the merchant POS and self release of online channels such as bank loans.
the criteria for 1. Have full civil capacity of a natural person aged 18 (inclusive)-65 (not included) between foreigners and residents of Hong Kong, Macao and Taiwan for borrowers, should be People's Republic of China lived in the territory for less than a year and have a fixed residence and occupation;
2. Have legitimate and valid picture ID, proof of residence (or valid residence certificate) and proof of marital status (whether or not declared),
3. Have a good credit record and repayment will;
4. With a stable source of income and ability to repay the loan principal and interest in full and on time;
5. Clear loans; loans use complies with any laws, decrees and relevant regulations of the State, commitments do not in any way into the stock market, the futures market for equity investment, real estate and project development, not for loan to obtain illegal income, as well as other provisions of national laws and regulations shall not operate the project;
6. Can provide a Bank of legal, valid, and reliable mortgage;
7. Opened personal settlement account at the Bank;
8. Other conditions stipulated by Bank.
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