Production definition:

“House Loan General” individual residence loan refers to take the credit fund to issue RMB loan to the natural persons of purchasing residence or garage (carport) within the Chinese mainland.

Application conditions:

1.Having legal identity, could provide effective identity certificate, household register and certificate of marital status, and should be in accordance with the conditions of person of purchasing house of the local residence restriction measures demands. Hong Kong, Macao, Taiwan residents and foreign natural persons should possess effective residence permit and be in accordance with the relative regulations of the local residence trading management;

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

3.Having legal and effective contract or agreement of purchasing house or garage (carport);

4.Having the proof of initial payment demanded by our bank;

5.Agree to open individual settlement account and authorize our bank to deduct and collect directly the loan capital and interest from the appointed repaying account, as well as the relative costs the borrower should undertake;

6.Could provide effective guarantee approved by our bank;

7.Other conditions demanded by our bank.

Loan period:

Our bank should be based on considering comprehensively the age, economic income status, repaying capability, guarantee or mortgage goods status, durable years of house property, and other factors of the borrowers, reasonably to determine the loan period.

1.The longest residence loan period is 30 years, and the sum of the loan period and the age of the borrower do not exceed full of 70 years old.

2.The loan period of putting into residence loan of handling garage (carport) together will be carried out according to the regulations of residence loan period, the longest loan period of the garage (carport) of application alone is 10 years, and when the loan expires the age of borrower should not exceed full of 65 years old.

3.Beside to satisfy with the above demands of the second-hand housing, and also to satisfy with the following conditions at the same time :

1) The loan period is not allowed to exceed the left durable years of occupied land of mortgage house;

2) The age of house of mortgage house + loan period < or = 45 years, the city center area could be broadened to 55 years.

Repaying mode:

1.The repaying modes of residence loan are including same amount capital and interest, same amount principal, repaying interest by month or season and repaying capital when expiring;

2.The repaying modes of garage (carport) loan are including 3 kinds of modes of the same amount capital and interest, same amount principal, repaying interest by month or season and repaying capital when expiring.