Own a Home.Get a Loan
　　The Home Equity Consumption Loan is a loan issued by our bank to individuals, secured by real estate collateral, for personal and family comprehensive consumption purposes.
　　Product Features
　　1. High Limit: Up to 5 million yuan (inclusive)
　　2. Flexible Repayment: Choose from installment repayment, on-demand repayment, or other methods
　　3. Convenient Application: Apply online through the mobile app, with quick property value assessment
　　4. Loan Interest Rate: The annual interest rate starts at 3.55%, with differentiated loan rates implemented based on the region. For specific details, please inquire at local branch offices.
　　Eligible Customers
　　Ages 18 to 65, with stable income and good credit.
　　Application Documents
　　1. ID card, household registration, marital status documents;
　　2. Income proof;
　　3. Property ownership proof;
　　4. Evidence supporting loan purpose;
　　5. Additional documents as required by the lender.
　　Contact Us
　　1. Call a HarbinBank account manager;
　　2. Apply at your nearest HarbinBank branch;
　　3. Call the national customer service hotline 95537;
　　4. Download the mobile banking app to complete an online application.
　　Warm Reminder:
　　Content on this page is for reference only. Some services are subject to the announcements and specific regulations of local branches. Due to policy adjustments or variations in customer credit standing, final amounts, terms, and rates are subject to the bank's approval.