1. Loan amount-comprehensively determined according to the borrower's repayment ability and collateral value.
(1) The loan ratio for the first home shall not exceed 70%; The proportion of second-home loans does not exceed 40%;
(2) the proportion of commercial housing loans shall not exceed 50%;
2. Loan term-30 years for housing and 10 year for commercial housing.
Application conditions
1. has the nationality of the people of China;
2. At least 18 years old, not retired when the credit expires, the actual age is not more than 60 years old, and he has full capacity for civil conduct;
3. Stable occupation, high economic income, and the ability to repay the loan principal and interest on schedule;
4. It has a legal and valid identity certificate and a residence certificate of the place where the loan bank is located, and has a fixed residence;
5. Good reputation;
6. Meet other conditions stipulated by Bank of Ningbo.