Fan Ling (2020/121219: 54:15), Chairman of the Party Committee of Huainan Branch of China Bank Co., Ltd. (Source: Online Interview with Postal Savings Bank of China Bank)
The "Easy Mortgage Loan" product launched by our bank this year is more suitable for you. Mortgage of the house or shop under the name of the borrower himself, his spouse, the parents, adult children, brothers and sisters of the borrower and his spouse or the business entity; Bank certificates of deposit in local (foreign) currency, bonds pledged or structured deposit products sold by banks in the name of the borrower, spouse or business entity as repayment guarantee may apply for inclusive personal business loans of less than 3 million yuan. If 1 or more and less than 3 years (inclusive), the flexible repayment method of monthly interest payment, half-year principal repayment and due principal and interest repayment can be adopted. Among them, the minimum repayment amount every six months is only 1% of the loan principal (inclusive).