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Bank of China - Personal Consumer Loans

Brief Introduction
Mortgaged property                             No identity restrictions 7 days loan
Optional amount of 300,000 to 200 million
Ten thousand yuan
Optional period from December to 120 months
Months
2.83Ten thousand yuan
                        Circular credit, along with loan

Interest rate description: monthly rate of 0.47%   Advance repayment instructions

The agency suspended the processing of loan applications We have carefully selected other loans for you, so let’s have a look
Credit managers will abide byCredit Manager Services Convention, If you have any questions, please call us through customer service
Application conditions
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            Age requirement: up to 20 years (commercial property up to 15 years);
Area requirements: at least 60 square meters;
Valuation requirements: at least 800,000;
The collateral is located in the area: Hangzhou;
Types of collateral: ordinary houses, villas, shops, office buildings;
Loan maturity: The sum of the age of the customer does not exceed 60 years.
materials needed
            1. Loan application form and signature confirmation by the loan applicant;
2. The original identity of the borrower's valid identity document (referring to the resident identity card, residence booklet or other valid residence permit), and provide a photocopy thereof;
3. The collateral ownership materials and valuation documents;
4. The borrower's loan application document;
5. Other documents or materials requested by the Bank of China.
Interest rate description
Loan period (months)Annual interest rate
12-120Benchmark interest rates rise 10%-30%

Annual interest rate is comprehensively confirmed based on the applicant’s qualifications

success case
160
Loan time 20 days Assignee: Shen Jing Manager Apply on December 30, 2016
Mr. Wang: The self-employed has already obtained a business license. The business registration place is local.
7
1 day loan time Assignee: Shen Jing Manager Apply on May 29, 2016
Mr. Chen: Workers, working for 1 to 3 years, monthly wages of 5,000 yuan
18
Loan time 5 days Assignee: Shen Jing Manager Apply on March 22, 2016
Mr. Li: Self-employed, with a business term of 3 years, has applied for a business license
6
Loan time 3 days Assignee: Shen Jing Manager Apply on March 21, 2016
Mr. Wei: Local household registration, office workers, employees/cadres
30
Loan time 20 days Assignee: Shen Jing Manager Apply 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, a third party can be a borrower, and the owner of the property rights can be a mortgagor. Property owners can also apply for unsecured bank loans.
    2016-10-12
  • problem:
  • Reply:
    2 to 3 weeks have a clear result of the approval of the interest rate, amount. Then go to the trading center and transfer the name of the birth certificate to the lender after 5 to 7 working days.
    2016-09-18
  • problem:
  • Reply:
    The local government should widely publicize the destocking policy and form a consensus, propagandizing the idea that “peasants are appreciating the value of their home purchases in the cities and building houses in the rural areas is a devaluation”. ||93345
    2017-07-18
The agency suspended the processing of loan applications We have carefully selected other loans for you, so let’s have a look
Credit managers will abide byCredit Manager Services Convention, If you have any questions, please call us through customer service
The related information is collected by rong360 and is not guaranteed to be completely accurate. Please consult with the credit manager for confirmation.
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