Construction Bank Farm Loan Conditions

Conditions are required for Construction Bank loans.

1. Loan objects.

A Chinese citizen who is over 18 years old and has full capacity for civil conduct, and the sum of the borrower’s age and the loan term does not exceed 60 years old.

2. Loan amount.

The minimum credit limit is 100,000 yuan, and the maximum credit limit is 5 million yuan.

3. Loan term The loan term is generally 1 year (inclusive), and the maximum validity period of the credit limit is no more than 5 years.

4. Loan interest rate.

Follow the loan interest rate regulations of China Construction Bank.

5. Guarantee method.

Guarantees are provided in the form of mortgages, pledges and guarantees, but guarantees provided solely in the form of third-party guarantees are not accepted.

6. Repayment method.

If the loan term is less than one year, methods such as the monthly interest repayment method, the equal principal and interest repayment method, the equal principal repayment method, and the one-time principal and interest repayment method can be adopted. ; If the loan term is more than one year, the equal principal and interest and equal principal repayment methods can be adopted.

The specific repayment method shall be negotiated between the handling bank and the borrower and agreed upon in the loan contract.

Relevant knowledge supplement:

1. CCB personal loan.

1. Quick loan.

I have applied for a housing loan at China Construction Bank and have not paid it off yet. There are deposits, treasury bonds, financial products, etc. at China Construction Bank. The applicant is a private banking client of China Construction Bank.

2. Personal housing loan.

Chinese citizens with full capacity for civil conduct, overseas residents and foreigners with the right of residence; can provide guarantee methods recognized by China Construction Bank; have a certain repayment ability and have funds for the down payment of a house.

3. Personal car loans are for those aged between 18 years old (inclusive) and 60 years old (inclusive); used to purchase a car. If it is a self-use car, a minimum 20% down payment is required. For commercial cars, The minimum down payment is 30%; guarantee measures approved by China Construction Bank must be provided.

2. Application materials required for loans.

1. Identity cards, household registers or valid residence certificates, residential address certificates, and marital status certificates of the borrower and his or her spouse.

2. Proof of the borrower’s spouse’s commitment to repay the loan.

3. Business license to engage in production and operation. Those engaged in license-based operations should provide the original and copy of the business license from the relevant administrative department; partnership or corporate enterprises should also issue a business partnership agreement or Articles of Association and capital verification report, original and copy of investment agreement.

4. Proof of loan purpose (such as purchase contract, etc.).

5. Tax payment certificate for production and business activities.

6. The borrower obtains the pledge rights certificate, mortgage (pledge) list and ownership certification documents required for the pledge and mortgage loan amount, the owner and the property *** Someone agrees to the pledge or mortgage written documents.

7. Collateral valuation report issued by an appraisal department recognized by China Construction Bank’s secondary branches (including) or above.

8. Other information required by China Construction Bank.