Function: A crediting service in RMB for rural individual clients who may need financial support for their businesses but requires a return of the loan charged with interests.
Maximum amount of loan: For applicants who use mortgage(pledge)、legal guarantee,the individual client’s loan should be no more than 0.3 million Yuan and the applicants who take personal guarantee loan,the individual client’s loan should be no more than 0.1 million Yuan.
Loan term restriction: The term for the loan is maximally 10 years to clients who use estate mortgageguaranteeandthe time for the loan is 3 year to clients who use other mortgagemethods.
Loan application conditions:
1. The applicants should be a legal citizen and have a local fixed living place. The age of applicants should be 18 or over. The age of loan application should not be over 60.
2. The applicants should be healthy and be able to carry out citizen rights.
3. The applicants should not have any records of criminal charges or warnings. He or she should be proved to be of credible and trustworthy characters.
4. The applicants should be of a full-time and stable employment with regular income, and should be able to return loan and interest on time.
5. The applicants should have opened in our bank a Dingxiang Card and a personal saving account.