Personal loan conditions of China Everbright Bank:
1 individual housing loan conditions
A natural person who has reached the age of 18, has full capacity for civil conduct and meets the requirements of local housing purchase restriction measures; It has stable income, good credit and the ability to repay the principal and interest of the loan on time; Provide a legal and valid contract or agreement for purchasing a house or garage and the down payment certificate required by China Everbright Bank.
2 personal car consumption loan conditions
Have a legal identity and can provide valid identity documents, household registration and proof of marital status; Have a stable economic income, good credit, and the ability to repay the loan principal and interest on schedule; Having a legal and effective car purchase contract or agreement; It has the down payment certificate required by China Everbright Bank and the valid guarantee approved by China Everbright Bank.
3 personal comprehensive consumption loan conditions
Have a legal identity and can provide valid identity documents, household registration and proof of marital status; Have a stable economic income, good credit, and the ability to repay the loan principal and interest on schedule; Agree to authorize China Everbright Bank to directly deduct the principal and interest of the loan and related expenses to be borne by the lender from the agreed repayment account; Other conditions required by China Everbright Bank.
In addition, China Everbright Bank also has personal credit loans and personal mortgage loans. Among them, the personal credit loan requires the borrower to have no bad credit record, and the bank determines the loan amount according to the borrower's monthly income. Personal mortgage loan requires the borrower to provide collateral as a guarantee, and the assets that can be used as collateral include real estate, land use rights, automobiles, machinery and equipment, etc.