Loans agaisnt pledged asset

Eligible customers:

• Borrowers who have pledged asset are real estate, or who are guaranteed by the third party as real estate.
• Sound capital spending plan.
• Demonstrate principal and interest payment source.

Benefits:

• In complicane with demand for capital and loans payment capacity of customers
• Loan amount up to 70% of guarantee asset value.
• Principal debt and interest paid as times or paid at maturity date according to ablity and specific conditions of customers.
• Competitive interest rates.

Required documents:

1. Legal documentation:

• Loan application (click here to download application form)
• Identity card, House hold book of borrowers (Copied);
• Marriage Registration Certificate of borrowers (if husband or wife is not in the same house hold book) Certificate of No Marriage (if borrower is single);
• Indentity card, House hold book of guarantor (copied), if any;
• Marriage Registration Certificate of guarantor (if husband or wife is not in the same house hold book) Certificate of No Marriage (if guarantor is single);

Guarantee asset documents: the land use right certificate/ housing ownership certificate issued by authority.

Documents proving loan spending purpose

• Real estate loans: related real estate documents (copied);
• House construction, repair loans: Constrution license (if any), Construction Contract (copied); papers of constructed, repaired house (in the event that constructed, repaired house is not pledged house);
• Car, vehicle, stock purchasing loans: documents related to assets (copied).

Documents proving principal and interest payment source

Contact: Nearest transaction office of PVFC.

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