Is it easy to apply for personal credit loan of China Everbright Bank?

1. Is it easy to apply for personal credit loan of China Everbright Bank?

The application threshold of China Everbright Bank is low or relatively low. You can apply at the counter or online first. Free of annual fee in the first year, free of annual fee in the next year if you swipe your card three times, free of SMS reminder for unlimited consumption, unlimited installment payment, free of instant SMS notification for repayment and SMS reminder for bills. The preferential activities are affordable, the card design is novel and the service fee is low, but the card approval amount is low, and the interest-free period is not the longest, 20-50 days.

2. Is it easy to apply for personal credit loan of China Everbright Bank?

Conditions for banks to apply for loan business:

Natural age 18 to 65 years old

The actual age of the borrower and the loan application period should not exceed 70 years old;

The ability to pay the loan principal and interest on time;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

3. Is the Sunshine Loan of China Everbright Bank easy to handle? It is not difficult to meet the requirements!

In general, when applying for loans, people will give priority to bank loan products. After all, bank loan products are more reassuring. However, people often worry that it is not easy to apply for loans from commercial banks. A friend came to ask whether the Sunshine Loan of China Everbright Bank is easy to handle. Today, I will introduce you to the relevant situation.

According to what we have learned, it is not difficult to exempt loans through Sunshine of China Everbright Bank, but the corresponding application conditions must be met. Here, let me give you a brief introduction. 1. Insurance loans require borrowers to be 22-55 years old, provident fund consumer loans require borrowers to be 25-60 years old, and the loans should not exceed 60 years old at maturity; 2. Have legal China nationality, open a Sunshine Card in China Everbright Bank, and agree to authorize our bank to directly deduct the loan principal and interest and related expenses that the borrower should bear from the agreed repayment account; 3. Personal credit is good, there is no record of serious non-performing loans in the past, and the accumulated overdue records in the past 24 months are no more than 6 times and no more than 3 consecutive overdue periods; 4. China Everbright Bank has no credit loan balance. Supplementary note: To apply for insurance consumer loans, you need to purchase "personal loan guarantee insurance" in the name of the borrower. If you apply for a provident fund consumer loan, then the provident fund account must meet three conditions. 1. The borrower is an on-the-job employee who has continuously paid the housing accumulation fund in the local area for 12 months; 2. The borrower's deposit has been continuous for nearly 12 months, and there is no abnormal situation such as deferred payment or broken payment, and the current deposit status is normal; 3. The individual monthly deposit amount shall not be lower than that of 300 yuan, and the deposit amount of units and individuals shall not be lower than that of 600 yuan.

4. Is it easy to apply for personal credit loan of China Everbright Bank?

You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.