1, "Will you? Individual industrial and commercial households can apply for credit loans in their own names, without mortgage guarantee, and support online business, which has opened up new financing channels for individual industrial and commercial households. The product advantages can be summarized as four points: first, it is "more exclusive", facing individual industrial and commercial households operating in good faith in Guangdong Province (except Shenzhen); The second is "more convenient", online application, independent use, and return with the loan; Third, "more flexible", pure credit loans, unsecured guarantees; Fourth, it is "more affordable" and implements the preferential interest rate of China Bank in inclusive finance.
2. Loan amount: the online business model is up to 3 million yuan. Please consult the account manager of the local BOC outlet.
3. Term of the loan: the validity period of the loan line is 65,438+0 years (inclusive), and the maximum length of a single loan under the loan line shall not exceed 65,438+0 years (inclusive). The credit line can be recycled within the validity period and can be repaid with the loan.
4. At present, the annual interest rate of the loan is 3.95%, and the final interest rate is subject to the interest rate shown after approval.
5. Use of the loan: the use of the loan is limited to legal project operation or capital turnover, and it complies with relevant laws and regulations and relevant regulations of the People's Bank of China and China Banking Regulatory Commission on the use of personal loans; It is strictly prohibited to be used for securities investment activities such as industries restricted by the state, real estate enterprise development, land reserve, stocks and other fields unrelated to the borrower's main business.
Due to the differences of business in different regions, if you need to know more, please consult BOC outlets or call BOC customer service hotline 95566 for consultation.
(Answer time: May 24, 2024)
The above contents are for your reference. Please refer to the actual business regulations.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.