Bank of China provides personal consumption loans, which are divided into personal mortgage consumer loans and personal unsecured consumer loans based on whether there is a mortgage.

The main loan conditions include: 1. Natural persons who are over 18 years old and have full capacity for civil conduct; 2. Citizens of the People’s Republic of China, including Hong Kong and Macau citizens who have worked continuously in the territory of the People’s Republic of China for one year or more.

Residents of Macao and Taiwan must hold valid identity documents that comply with regulatory requirements and have fixed residences in China. Residents of Hong Kong, Macao and Taiwan should own their own properties in the place where the loan is applied for; 3. Have a sustained and stable source of income and have the ability to repay on schedule.

The ability and willingness to repay the principal and interest of the loan; 4. The credit status is good, and there is no bad credit record with Bank of China and peers; 5. If you apply for a personal mortgage consumer loan, you should also provide collateral recognized by the Bank of China as a loan guarantee; 6. When applying for a personal loan

Before taking a consumer loan, you need to open a deposit account with Bank of China; 7. Other conditions stipulated by laws, regulations, regulatory agencies and Bank of China.

For further information, please contact the local branch of Bank of China.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

We sincerely invite you to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.