1) Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details;
2) Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
(3) A house purchase contract or agreement has been signed. If you purchase an auction house (the main structure of a multi-storey house must be capped, and the high-rise house must complete two-thirds of the total investment) or an unconfirmed house, you should provide a complete certificate of housing construction and sales;
4) Must pay the down payment of the purchased house that meets the requirements of relevant regulations;
5) Provide effective guarantee recognized by the lender;
6) Other conditions stipulated by the lender.
Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.