1. What is CICC Loan? What does CICC Loan mainly do?

To put it simply, it is P

CICC Loan is a subsidiary of Beijing CICC Fenglian Investment A P2P financial loan platform developed by Holding Co., Ltd. to solve the financing difficulties of small and medium-sized enterprises.

2. What are real estate revolving loans and parking space loans?

A real estate revolving loan means that after you purchase a house, the bank will give you a revolving loan limit. Within this limit, you can For loans that are recycled multiple times, the credit limit is generally valid for two years, and the credit limit must be re-granted after consecutive years.

Parking space loans are loans provided by banks to customers who purchase parking spaces. Generally speaking, they are in the form of credit card installments. Since parking spaces have no property rights, they cannot be mortgaged and can only be given credit loans.

3. What are real estate revolving loans and parking space loans?

A real estate revolving loan means that after you purchase a house, the bank will give you a revolving loan limit. Within this limit, you can For loans that are recycled multiple times, the credit limit is generally valid for two years, and the credit limit must be re-granted after consecutive years.

Parking space loans are loans provided by banks to customers who purchase parking spaces. Generally speaking, they are in the form of credit card installments. Since parking spaces have no property rights, they cannot be mortgaged and can only be given credit loans.

4. What is the credit limit of China Everbright Bank’s housing mortgage revolving loan?

The credit granting method of Everbright Bank’s housing mortgage revolving loan (personal revolving loan) is line credit, which can be recycled. Housing loans are included in the management of revolving loan quotas; revolving credit limit = housing loan balance, revolving consumption credit limit, revolving The consumption credit limit increases with the release of housing loan repayments. China Everbright Bank's personal revolving loan (now the housing mortgage revolving loan) refers to the revolving line of credit granted by China Everbright Bank to personal housing loan customers under the mortgage guarantee method approved by China Everbright Bank, and the housing loan is included as the first loan under the revolving loan , other lines are revolving consumption credit lines, and the loans under this item can be used for personal comprehensive consumption. Personal housing refers to housing that complies with the provisions of the Bank's "Personal Housing Loan Management Measures", including first-hand housing and second-hand housing (spaces) that are included in housing loans, excluding parking spaces that are processed separately. Basic loan conditions: If the house purchased is a first-hand house, the housing loan duration must be more than half a year before a revolving loan can be applied for; if the house purchased is a second-hand house, a revolving loan can be applied for together with the housing mortgage loan. Loan target: The borrower is a borrower who applies for a housing mortgage loan with our bank. He must meet the basic conditions for borrowers in our bank's "Personal Housing Loan Management Measures" and his age should not exceed 65 years old when the credit expires.