Production definition:

Real estate mortgage loan refers to that our bank issues loan to the loanee to take the house property and landed property of the mortgager getting through the legal mode as mortgage guarantee.

Suitable object

Legal person of enterprise (public institution) of checked and approved and registered by industrial and commercial managing organ (or main managing department) , other economic organization as loanee regulated by the nation, and the natural person of full of 18 years old and having full capacity.

The basic conditions of the loanee.

(1) Company

1.Possess Business License of Legal Person of Enterprise or Business License or Tax Registration Certificate  Organization Code Certificate and other effective papers checked and issued by the concerned department;

2.Possess Loan Card checked and issued by the People＇s Bank of China;

3.To open basic account or general account in our bank;

4.To have the fixed production running place, inner managing system is perfect, having steady professional managing persons;

5.The engaging production running activities must be accorded with the laws and rules of the nation as well as the related industrial policies;

6.The credit standing and respectability situation is better, production running is normal, having the earning power, could repaying capital and interest on time through the cash flow producing by running activities of the enterprise;

7.The intended use of the loan and the repaying source are clear and legal;

8.The other conditions regulated by our bank.

Mortgage goods conditions:

1.The mortgage goods is accorded with the regulations of Property Law or other laws and rules;

2.The nation allows its circulation and transferring;

3.The relation of ownership is clear, do not exist property dispute, do not set up other real right;

4.Do not be sealed up, detained and supervised;

5.The market value is steady, full value, easy to become cash, keep, and handle;

6.If the mortgage goods is house, the current situation of the house should be in good condition, property is clear, has already get House Ownership Certificate could be circulation in the market, and not within the range of removing, risk house of not allowed to use after identifying, not exist rights and interests dispute, could be handled legal and effective mortgage and registering procedure;

7.Alone to take the mode of transfer to get state-owned land right of use as mortgage, the mortgage land must be net land in principle; To take the mode of appropriate, rent of getting state-owned land right of use could not mortgage alone(except the land reserving loan) ;

8.If the mortgage goods is the building engineering, it should be satisfied with the related demand of the building engineering;

9.The other conditions regulated by our bank.

Loan interest rate:

According to “The Pricing Management Methods on the Reminbi Loan Interest Rate by Jiutai Rural Commercial Bank Lt. Co. of Jilin Province”.

Loan period:

The loan period for working capital shall be no longer than 3 years (including 3 years); the fixed asset loan period shall be no longer than the project construction period plus 15 years (including 15 years); the loan period for land banking shall be no longer than 2 years (including 2 years).

Loan limit:

The loan limit shall be generally no more than 60% and the mortgage rate for the loans with commercial buildings as security guarantees shall be no more than 70%.

Loan purposes:

To be used as the borrower’s working capital for daily production operation and fixed assets investment, etc.