Personal mortgage loan is one type of mortgage loans to fulfill consumption needs of clients. Clients can use the personal mortgage loan to decorate house、travel、purchase durable goods、and study. Main product：Yi Dai Bao
● High loan mount
No more than RMB 3 million in general, superior clients can reach to RMB 5 million, but cannot exceed the total price of goods purchased or services.
● Long period
No more than 5 years in general. For clients that mortgage their only house, the period cannot exceed 10 years.
● Wide range of consumption
1、Apply through any branch and sub-branch
2、Submit materials
3、Approved if satisfied
4、Go through the formalities if there is any mortgage
5、Issue loan if satisfied
Ps：Contact NCB China for detail information. The approval of loan application is subject to the final review. NCB China reserves the right of final interpretation.