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Personal Revolving Loan of Credit (Generally for VIP Customers Only)


 

Name
Personal revolving loan of credit

Introduction

Personal revolving loan of credit is a short-term convenience-oriented financial product catering for individual customers according to their certain credit status. The borrower can cyclically use the loans within the quota verified by Bank of China.

I. Loan Term

The valid term of the credit line can be no more than one year. Generally, the term of single loan may not exceed one year, with the maximum term of three years.

II. Interest Rate

Bank of China shall adopt the corresponding benchmark interest rates published by the Peoples Bank of China, and the interest rate can be floating within the range prescribed by the Peoples Bank of China.

III. Loan Quota

Generally speaking, the revolving line of personal credit may not exceed RMB 500,000 (RMB 500,000 included).

IV. Repayment Method

Matching the principal and interest repayment, matching the principal repayment, monthly interest repayment and quarterly principal repayment, etc.

V. Loan Application Documents required when applying for personal revolving loan of credit:

1. Application form of personal revolving loan of credit;

2. Valid identity documents;

3. Proofs for employment and income;

4. Original and copy of certificates of the highest education background or degree, technique credentials, professional credentials or other certifications;

5. Property Ownship Certificate, or Motor Vehicle License or other proofs of assets;

6. Other certifications of personal credibility.

Target Customers

Citizens of the Peoples Republic of China, natural persons with full civil capacity, good credibility, permanent residence and stable income as well as abundant source of loan repayment. Applicants should open deposit accounts in Bank of China.

Process

Please contact relevant outlets of Bank of China.

Kind Reminder

Since it needs plenty of documents to apply for loans; for more questions, you may feel free to contact any local outlet of Bank of China with the brand mark "Ideal Home" for counseling or call 95566.

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