1. If the application is made together with the housing loan, the credit line shall not exceed 5% of the value of the housing mortgage collateral;

2. If the housing loan has been repaid normally for 6 months (inclusive) to 12 months (exclusive), the credit line shall not exceed10% of the value of the housing mortgage collateral;

3. If the housing loan is repaid normally 1 year or more (inclusive), the value of collateral under (housing mortgage loan balance+credit line)/housing mortgage loan is ≤ 90%;

The above paragraphs 1 and 2 are only applicable to non-self-employed households and are only conducted in pilot branches.

Among them, the value of collateral is determined according to the purchase price of first-hand houses, and the value of collateral is determined according to the lower of the purchase price and evaluation price of second-hand houses.

The longest credit period is 3 years, and the longest single loan under the project shall not exceed the validity period of revolving easy loan credit.

Everbright Bank's revolving easy loan means that Everbright Bank gives revolving credit to outstanding high-quality customers of housing mortgage loans by quasi-credit, and the loan funds under the credit are used for personal comprehensive consumption.

Quality customers of housing mortgage loans must meet the following conditions at the same time:

(1) The number of outstanding mortgage loans under the customer's name is less than 2 (inclusive);

(2) All loans are in a normal state, and there are no accumulated overdue records for more than two times and no continuous overdue records in the past two years; The status of the credit card account is normal, and there is no credit card debt;

(3) The mortgaged property under the housing mortgage loan has been pre-mortgaged or officially registered, except for the first-hand quality property that cannot be pre-mortgaged. If the pre-mortgage fails to be formally mortgaged, you need to register the pre-mortgage before you can enter.

Applicable subject: a natural person who has reached the age of 18 and has full capacity for civil conduct.

Purpose of loan: used for personal consumption of the borrower, in accordance with the loan purpose provisions of the Bank's personal comprehensive consumption loan.