1. Revolving Easy Loan: It is a personal credit loan provided by China Everbright Bank for high-quality housing mortgage customers. Everbright mortgage customers can apply for this loan to dispel their financial concerns after buying a house, with a maximum of 300,000 yuan, which can be borrowed and repaid in a cycle, with a maximum loan period of 3 years. Online application is not supported. You need to bring a copy of your ID card and proof of income to the outlets for an interview.
2. Easy loan for white-collar workers: Easy loan for white-collar workers is a RMB credit loan for qualified "high-quality white-collar workers" to meet the comprehensive consumption of individuals. The maximum loan amount is 6,543,800 yuan, and 90% of the average monthly income is used to repay all monthly debts (including this loan). The maximum loan period is 5 years, and a single loan cannot exceed the loan validity period.
3. Easy-to-pay loan: Easy-to-pay loan is a personal credit loan provided by China Everbright Bank for employees, with a maximum loan amount of 3 million yuan and a maximum term of 3 years.
Second, how to change the credit purchase of China Everbright Bank?
Everbright Bank's credit purchase and flower buds are two different credit consumption loan products. Therefore, before closing, users should check whether there is any arrears in credit purchase and flower buds, and if there is, they will all pay them off at one time. Then, after the settlement, enter the flower bud | credit purchase page, select the pinion in the upper right corner of the page-close "flower bud | credit purchase", and follow the prompts.
After the credit purchase is closed, the user's flower garden page is only a product of flower garden, but it is still different from the flower garden before the upgrade. Among them, the main service provider has become a separate service provided by ant consumer finance, which will not involve other financial services, and the quota may be different from that before the upgrade.
3. What is the cooperative credit loan between Sunshine Insurance and China Everbright Bank?
Sunshine Times Loan Insurance is a personal unsecured credit loan jointly launched by China Everbright Bank and Sunshine Property Insurance Co., Ltd.
4. How does China Everbright Bank stipulate the loan amount?
The loan amount of China Everbright Bank Easy Pay Loan is agreed as follows, and the loan amount must meet the following conditions at the same time:
(1) The starting point of a single loan amount is 50,000 yuan, and the upper limit of the loan amount is 12 times of the total monthly salary of the borrower in our bank. For particularly high-quality customers (limited to managers of government agencies and institutions at or above the division level and leading members of credit-granting enterprises at or above Grade A of our bank), the upper limit of the loan amount can be relaxed to 18 times of the borrower's total monthly salary in our bank. For a single borrower,
For enterprises that have been paying wages continuously for more than 20 years, their employees can adjust the credit line according to the remaining period of employee labor cooperation. If the remaining contract period is less than 24 months, the minimum loan amount is 12 times of the monthly salary paid by the bank; If the remaining contract term exceeds 24 months, the minimum loan amount is 24 times of the monthly salary paid by the bank, and the contract is open-ended. The maximum loan amount is 36 times of the monthly salary issued by the bank, and the maximum loan amount does not exceed 6.5438+0.5 million yuan, the total credit loan of a single borrower does not exceed 6.5438+0.5 million yuan, and the total credit loan of quasi-private bank customers does not exceed 3 million yuan.
(2) The average monthly salary paid by the borrower shall not be less than twice the monthly repayment amount of this loan.
(III) Accounting standard of average monthly salary: the average monthly salary is calculated according to the total salary actually paid by the borrower in our bank in the last 12 months, and the salary paid by the borrower outside our bank is calculated by half.
The personal credit loan issued by China Everbright Bank is the current easy-to-pay loan, which refers to the unsecured loan for personal consumption issued by China Everbright Bank to specific customers who pay wages.