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You are here: Rong 360 Home Loan channel         Hangzhou Bank of China Personal Consumer Loan

Bank of China - Personal Consumer Loans

Brief Introduction
Mortgage property                             No identity restrictions 7 days loan
Optional amount of 300,000 to 200,000
Ten thousand yuan
Optional period from December to December
Month
2.83Ten thousand yuan
                        Revolving credit, with the loan

Interest rate statement: monthly interest rate 0.47%   Early repayment instructions

For mediation, please consult the intermediary guarantee (with additional fees)

Shen Manager

Hangzhou Liuhang Investment Management Co., Ltd. Hangzhou Branch

Credit managers will abide byCredit Manager Service ConventionIf you have any questions, please call us through customer service.
Application conditions
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            Age requirements: no more than 20 years (the maximum length of a commercial property is no more than 15 years);
Area requirement: at least 60 square meters or more;
Valuation requirements: at least 800,000 or more;
The collateral is located in the area: Hangzhou;
Type of collateral: ordinary houses, villas, shops, office buildings;
Loan term: The sum of the age of the client does not exceed 60 years.
materials needed
            1. The loan application form is signed and confirmed by the borrower;
2. The original valid ID card of the borrower (refers to the resident ID card, household registration book or other valid residence ID) and provide a copy of it;
3. The collateral ownership materials and valuation documents;
4. The supporting documents of the borrower's loan use;
5. Other supporting documents or materials required by the Bank of China.
Interest rate statement
Loan term (month)Annual interest rate
12-120Benchmark interest rate rises by 10%-30%

The annual interest rate is comprehensively confirmed based on the applicant's qualifications.

success case
160
20 days of loan time Receiver: Shen Manager Application on December 30, 2016
Mr. Wang: The self-employed person has already applied for a business license and the business registration place is local.
7
1 day of loan time Receiver: Shen Manager Application on May 29, 2016
Mr. Chen: Office worker, working years 1 to 3 years, monthly wages of 5,000 yuan
18
Loan time 5 days Receiver: Shen Manager Application on March 22, 2016
Mr. Li: Self-employed, with a business life of 3 years, has already obtained a business license.
6
Loan time 3 days Receiver: Shen Manager Application on March 21, 2016
Mr. Wei: Local household registration, office workers, employees/cadres
30
20 days of loan time Receiver: Shen Manager Application on February 29, 2016
Mr. Xu: Self-employed, with a business life of 5 years or more, has already obtained a business license.
common problem
  • problem:
  • Reply:
    Yes, the third party can be the borrower and the real estate owner can act as the mortgagor. You can also apply for an unsecured bank loan if you have a property.
    2016-10-12
  • problem:
  • Reply:
    2 to 3 weeks have the approval result clear interest rate, amount. Then go to the trading center to transfer, the name of the certificate is changed to 5 to 7 working days after the lender.
    2016-09-18
  • problem:
  • Reply:
    Local governments should widely publicize the destocking policy, form a consensus, and publicize the concept that “peasants buy houses in the city and appreciate the value of building houses in rural areas”. ||93345
    2017-07-18

For mediation, please consult the intermediary guarantee (with additional fees)

Shen Manager

Hangzhou Liuhang Investment Management Co., Ltd. Hangzhou Branch

Credit managers will abide byCredit Manager Service ConventionIf you have any questions, please call us through customer service.
The relevant information is collected by rong360 and is not guaranteed to be completely accurate. Please consult with the credit manager.
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