Production definition:

“Community General” loan is a model of our bank to reference to the mode of individual installment loan, to issue to the community residents of large market town to use for purchasing individual residences and commercial buildings built by the real estate developer.

Suitable objects：

Loan objects are full of 18 years old, natural persons of having complete capability of civil product.

Loan conditions:

1.Registered permanent residence of location of loan application or effective resident identify certificate;

2.Having steady profession and economic income, credit is good, having the capability of repaying capital and interest on time;

3.Already signed the contract and agreement of purchasing house;

4.Already paid the first term of money to the developer, the price of purchasing house is basically in accordance with the evaluation value of our bank or its authorized real estate evaluation organ;

5.The other conditions regulated by our bank.

Loan Interest Rate:

According to the Jilin Jiutai Rural Commercial Bank RMB Loan Interest Rate Pricing Management Method to carry out.In addition, the loan period is within 1 year, to meet the adjustment of interest rate, will have interest rate adjustment on January 1, of next year, according to the corresponding interest rate grade to carry out new interest rate.

Loan period:

The longest loan period is not more than 10 years.

Loan limit:

Single individual residence loan is not exceeded 200000 Yuan at most, single commercial retail sales house loan is not exceeded 1 million Yuan at most, concrete building takes the agreement reached by our bank with the developer as the criterion.

Mainly used for the normal consuming demand of borrowers and the needed fund of other payment.