Everbright Credit Loan belongs to Everbright Bank, which is formal, professional and enthusiastic. The staff inside are very enthusiastic. Bank policy, namely the loan policy of commercial banks, refers to all kinds of policies and measures formulated by commercial banks to guide the loan business in order to achieve their business objectives, and is also the specific policies and measures for commercial banks to implement the three principles of safety, liquidity and profitability.

How to calculate the interest rate of Everbright Credit Loan?

Everbright Bank's interest rate for purchasing housing loans is the floating interest rate of the central bank. Generally speaking, if the borrower buys a house with a commercial loan at China Everbright Bank, the bank will raise the benchmark interest rate. The borrower borrows a loan from China Everbright Bank to buy a suite, and the benchmark interest rate does not rise, and the purchase of the suite rises by more than 1. 1 times. LPR may be talked about a lot, but I think there are a few points to be reminded. Although it is the same LPR, different cities have different algorithms and different degrees of implementation.

What is a short-term loan?

Short-term loans refer to loans with a loan term of less than one year (including one year). Short-term loans are generally used for the liquidity needs of the borrower's production and operation. The currencies of short-term loans include RMB and the main convertible currencies of the country and region where the patient is located. The term of short-term working capital loan is generally about 6 months, and the longest is no more than 1 year; Short-term loans can only be extended once, and the extension period shall not exceed the scheduled period. The advantages of short-term loans are low interest rates and stable capital supply and repayment. Disadvantageously, because it can't meet the long-term capital demand of enterprises, short-term loans adopt fixed interest rates, and the profits of enterprises may be affected by interest rate changes.

In addition, the short-term loan interest rate of China Everbright Bank is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, as well as the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is clearly recorded in the loan contract, and customers can check it when applying for a loan. Overdue loans will be punished according to regulations.