- Personal housing mortgage loan
- Anju loan series
- Real estate lightning loan
- Personal home loan
- Car loan (personal car consumer loan)
- Personal club maintenance old loan
- White collar credit loan
- Personal consumption loan
- Personal business loan
- Certificate of deposit pledge loan
Personal housing mortgage loans are loans issued by our bank to borrowers for the purchase, construction and overhaul of various types of housing.
To meet the needs of individuals to buy, build and overhaul various types of housing funds to help individuals realize their housing dreams.
[Term and Quota]
For the purchase of ordinary housing loans, the maximum loan period is 20 years; for the purchase of commercial housing (including shops, office spaces, independent parking spaces, etc.), the maximum loan period is 10 years. And the sum of the loan term and the buyer's age does not exceed 65 years for men and 60 years for women.
For the purchase of ordinary commercial housing, affordable housing, fund-raising housing, re-transaction housing, real estate replacement housing, the loan amount generally does not exceed 70% of the purchase price or the actual part of the individual's contribution.
For the purchase of commercial premises such as shopfronts, commercial premises, separate garage spaces, etc., the maximum loan amount shall not exceed 60% of the purchase price or the assessed price (whichever is lower).
Eligible securities (including certificate-type government bonds issued by the Ministry of Finance, national key construction bonds, financial bonds, and individual time deposit certificates of deposit) are used as pledges, and the loan amount must not exceed 90% of the par value of the pledged rights certificates.
Where other property approved by the Bank is used as collateral, the maximum loan amount shall not exceed 70% of the value of the collateral.
1. A natural person with full capacity for civil conduct;
2. Stable economic income, good credit, and ability to repay principal and interest on loans;
3. Lawful and valid purchase contracts, agreements and other supporting documents required by the bank;
4. Self-raised funds of more than 30% of the total price of the purchased house, and guaranteed to be used for the down payment of the purchased house
5. Can provide valid guarantees approved by the Bank;
6. Other conditions stipulated by the Bank.
1. Identity document (resident identity card, household register, residence permit or other identity document) (photocopy);
2. Borrower's certificate of stable economic income or other proof of solvency issued by the competent authority recognized by the lender;
3. Legal purchase contract, agreement or other approval documents;
4. List of collateral or pledge rights, proof of ownership, and proof of the consent of the disposition owner to the mortgage or pledge;
5. Mortgage valuation report issued by the competent authority recognized by the loan bank;
6. The guarantor agrees to provide the written commitment of the guarantor and the creditor's credit proof materials;
7. Other securities or bank deposit documents, voucher-type treasury bills and other securities that the borrower intends to provide to the lending bank;
8. Relevant certificates of self-financing funds used by the borrower to purchase a house;
9. House sales (pre-sale) permit or real estate title certificate (existing house) (copy);
10. If the borrower's spouse and the borrower jointly apply for a loan, the borrower's application must also fill in the relevant information of the spouse, and present the marriage certificate and household registration book;
11. Other documents and information required by the loan bank.
The housing settlement loan is a comprehensive consumer credit service issued by the Bank to borrowers for the purchase of housing or garage parking spaces in the same community and one-stop service for housing decoration.
1. Convenient, fast, one-stop service: Customers who apply for housing mortgage business in our bank can quickly apply for housing decoration and mortgage loan business in garage parking space;
2. Long loan term and low customer repayment pressure: the personal mortgage loan term of our bank is up to 30 years, the garage loan period is up to 10 years, and the home improvement loan period is up to 10 years;
3. High loan amount to help customers realize their dream of living in peace: The maximum amount of mortgage loan for housing can be up to 70% of the total purchase contract price; the maximum loan amount for garage parking spaces can be up to 70% of the total contract price for garage parking; Clients of housing mortgage loans can apply for a loan for housing renovation up to 30% of the total purchase contract price;
4. The loan mortgage rate is high, and the mortgage rate for housing decoration loans can be up to 100%.
1. The house, garage parking space and renovated house purchased by the borrower must be located in our business area
2. The borrower is a permanent resident of the area and has a fixed residence or stable place of business;
3． The borrower has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule;
4. If the borrower is temporarily short of solvency when applying for a mortgage loan, he can apply for a relay portfolio loan with his parents, children or other immediate family members;
5. Personal credit is good, there is no major bad credit record, and it can provide effective guarantee recognized by our bank.
The loans issued by the Bank to the borrowers are provided by the borrowers themselves as high-quality commercial housing, residential housing, and commercial and residential housing as mortgage guarantee.
1. Fast handling and recyclable;
2. High quota, up to 2 million yuan;
3. The credit period can reach 5 years;
4. Multiple repayment methods, paying interest monthly, repaying principal, equal principal, or principal and interest at maturity.
1. Owned real estate with legal property rights in the locality, and can go through mortgage formalities;
2. Have a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule;
3. The borrower has no significant bad credit records.
Loans issued by the Bank to natural persons for business purposes include the purchase of operating facilities such as machinery and equipment, transportation equipment, management rights, and property use rights for lease, or personal investment in a project for subcontracting, subcontracting, or direct operation, or The act of personal investment in partnership with other qualified units or individuals to operate a project.
Flexible guarantee methods and simple loan procedures.
1. Have a fixed residence in our bank and hold a valid legal ID;
2. The property purchase business has stable expected investment income, has the ability to repay the principal and interest of the loan on schedule, and the source of the first repayment is sufficient;
3. In addition to the credit loan method, effective guarantee measures have been implemented, which can provide effective assets recognized by the Bank as collateral or pledge, or provide units or individuals with sufficient reimbursement capabilities as guarantee guarantees.
A loan issued by our bank to individuals to purchase cars (including used cars).
You can pay in installments to reduce the pressure on car purchases.
1. Stable sources of professional and economic income, good personal credit, and ability to repay principal and interest on loans;
2. In principle, the age of the customer plus the loan term shall not exceed 60 years of age;
3. In principle, it is required to have its own housing in the service area of the Bank and live in the service area of the Bank for more than one year in a row; the first payment can be paid.
It is the RMB loan issued by our bank to the urban individual insurance participants and land-exchanged agricultural non-personnel who have some difficulties in paying basic pension insurance premiums to pay the basic pension insurance premiums.
Spend less money for worry-free retirement.
[Term and Quota]
The maximum period is 5 years for those who have reached the pension age; the maximum period is 10 years for those who have not reached the pension age.
The maximum amount is 20,000 yuan, but it cannot be greater than the balance of the personal account of the social security when the borrower receives the pension insurance.
There are certain difficulties in paying the basic endowment insurance premiums. The land requisitioned persons and individual urban insured persons in our city.
1. Males must be over 55 years of age and females must be over 45 years of age and have paid basic pension insurance premiums for more than 10 years (excluding 10 years);
2. The city (district, county) endowment insurance agency of the borrower must sign an agreement with the lender to entrust our bank to issue pensions on behalf of the bank.
1. The original and photocopy of the borrower's valid ID and household registration certificate;
2. The relevant certification materials of the borrower issued by the local social insurance agency to participate in the endowment insurance;
3. If the loan applicant is married, he must provide the marriage certificate, original and copy of the valid identity document of the spouse, and the joint repayment commitment issued by the loan applicant and his spouse; prove;
4. Basic information of my living parents and children stamped by the local community or police station;
5. Corresponding mortgage property ownership certificate or valid security document.
Based on the creditworthiness of individual customers and their solvency, our bank grants customers a certain amount of credit, and loans issued based on the customer's credit within the credit line.
1. No mortgage, no guarantee, convenient and fast;
2. High amount, maximum loan of 1 million yuan;
3． The credit period can be up to three years;
4． Various repayment methods, paying interest monthly and repaying principal at maturity; or equal principal, equal principal and interest.
1. National civil servants, administrative institutions, regular employees of state-owned enterprises with good returns, lawyers, certified public accountants, registered tax accountants, registered assessors, actuaries, registered construction engineers, registered cost engineers, registered structural engineers ;
2. The borrower has no significant bad credit records;
3． Customers have settled with our bank for more than one year and their income is stable.
Personal consumption loan refers to RMB loan business issued by our bank to borrowers with legitimate consumption purposes. Its uses include the purchase of bulk durable consumer goods, travel, studying abroad, weddings and weddings.
1. Versatile use: covering multiple consumption uses to meet your multiple loan needs;
2. Various guarantees: including mortgages, pledges, guarantees, combinations, etc. for your flexible choice;
3. Longer term: The longest term can reach 5 years, which can fully reduce your short-term repayment pressure;
4. Convenient to save money: You can choose one-time credit granting, recycling use, borrow and return, convenient to save money.
Personal business loans refer to the loan business issued to private business owners or individual industrial and commercial households who are qualified as non-legal persons engaged in legal business to operate liquidity needs or other reasonable funds.
1. The borrower fills out a loan application and submits information;
2. Bank investigation, review, approval;
3. Open a Jincheng card or current savings passbook;
4. Sign a contract;
5. Register for mortgage;
6. Bank lending.
The deposit certificate pledge loan is a RMB loan provided by the Bank to individual customers, which is pledged by the customer's unexpired time deposit certificate.
Simple procedures, high pledge rate, revitalize customers' idle funds, and improve the efficiency of fund use
A natural person who holds a time deposit certificate in his or her own name and has full civil capacity
1. The client submits a loan application and provides relevant information;
2. The bank reviews the information procedures provided by the client;
3. After confirmation, the bank and the client sign a loan contract and go through the loan formalities.