Everbright Bank mortgage consumer loans for five years?

1. What is the five-year mortgage loan of China Everbright Bank?

Everbright Bank owner loan is a housing mortgage consumer loan provided for real estate owners.

First, credit requirements.

1, similar to other banks' loan credit requirements, there are not many inquiries within one year, for example, if they are inquired more than ten times or even more times within one year, or if the credit information is completely spent, no bank will be willing to lend;

2. There are too many overdue records, and the long time has a serious impact on personal credit information;

There are many loans in the near future, and the bank will think that you are short of money and will consider whether you have the ability to repay.

Second, the application conditions

1. The applicant must be at least 18 years old;

2. The applicant must have a legal and valid identity certificate;

3. The applicant must have a stable income and a fixed job;

4. The applicant's personal credit is good and there is no bad overdue behavior;

5. The applicant must be a user with a house.

Three. Loan amount and term

65,438+0. The maximum loan amount can reach 654,380+million, accounting for 65,438+000% of the property value;

2. The longest loan term is 20 years.

Summary: Friends who meet the above conditions can apply for owner's loan. Generally speaking, this product is very conscientious, and the amount and loan period are very tolerant. If you have a large demand and economic strength, it will be a good choice.

Second, how to apply for China Everbright Bank

Collateral:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

Legal and effective

Take the newly purchased house as the highest purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

Mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the mortgaged house value, and the house mortgaged with zd has obtained the house ownership certificate, and the age of the house is 10 year.

Be able to provide approval to the lending bank.

Other conditions stipulated by the lending bank.

3. How to borrow a credit card loan from Everbright? There are five ways!

All major commercial banks are striving to expand their credit card business, and China Everbright Bank is no exception. Many people want to use Everbright Credit Card for loans after handling. So, how to borrow a loan from Everbright Credit Card? In this article, I will introduce some useful methods to you.

The main loan products of Everbright Credit Card are bill installment and cash installment. The handling methods of these two loan products are as follows: bill installment Everbright Credit Card bill installment is mainly to help everyone ease the pressure of credit card repayment, and the number of installments can reach 24. The application method is as follows: (1) Call the Everbright Credit Card Service Line and transfer to 1 for processing; (2) Apply to official website Everbright Credit Card; (3) After receiving the installment invitation SMS of Everbright Credit Card, repay the loan according to the prompt; (4) Pay attention to the official account of China Everbright Bank credit card WeChat, and use the mobile phone to handle it online; (5) Install the "Sunshine Life" mobile phone client on the mobile phone to apply for Everbright credit card loan. Cash installment Everbright Credit Card mainly provides services for people in urgent need of cash, and the number of installments can reach 18. The application method is as follows: (1) After receiving the customer service invitation of Everbright Credit Card, cash installment will be handled under the guidance; (2) Call1; (3) Online processing through Everbright Credit Card official website, WeChat official account and mobile APP. Through the above, I believe everyone already knows how to borrow a loan from Everbright Credit Card. How to borrow a credit card loan from Bank of Communications? All the useful methods are here! How to borrow a credit card loan from CITIC? Everyone knows this!

Fourth, how to apply for China Everbright Bank?

The factors that affect the amount of real estate mortgage loan: 1, real estate assessment value, among which the factors that affect real estate assessment value mainly include: house type, house area, orientation, location, year of construction, floor, etc. The loan amount is related to the assets you own. If there is only one property, you can only borrow 50% of the real estate assessment value at most. If you have multiple properties, you can get a loan worth 70-80% in real estate assessment. 2. Personal income China's personal income will also be considered as a loan factor by banks. If your personal income is low, the bank will consider whether you have enough repayment ability, and then the bank will reduce the loan amount. At present, banks have different limits on consumer products. The loan projects launched by banks are different. Some banks can only lend up to 3 million yuan, and some banks can lend more than1million. Therefore, the maximum amount of loans that can be made by different banks also has a certain impact.