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.
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
Benchmark interest rate rises by 10%-30%
The annual interest rate is comprehensively confirmed based on the applicant's qualifications.
20 days of loan timeReceiver: Shen ManagerApplication on December 30, 2016
Mr. Wang: The self-employed person has already applied for a business license and the business registration place is local.
1 day of loan timeReceiver: Shen ManagerApplication on May 29, 2016
Mr. Chen: Office worker, working years 1 to 3 years, monthly wages of 5,000 yuan
Loan time 5 daysReceiver: Shen ManagerApplication on March 22, 2016
Mr. Li: Self-employed, with a business life of 3 years, has already obtained a business license.
Loan time 3 daysReceiver: Shen ManagerApplication on March 21, 2016
Mr. Wei: Local household registration, office workers, employees/cadres
20 days of loan timeReceiver: Shen ManagerApplication on February 29, 2016
Mr. Xu: Self-employed, with a business life of 5 years or more, has already obtained a business license.
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