Everbright Bank’s housing mortgage revolving loan credit limit and guarantee method: The borrower’s personal housing loan must be used to set the maximum (pre) mortgage or second mortgage (sequential mortgage) for the purchased house, and the revolving credit The maximum mortgage rate is 80% (i.e.: revolving credit limit/collateral value ≤ 80%); among which: the value of the mortgage for first-hand housing is determined based on the purchase price of the house, and the value of the collateral for second-hand housing is determined based on the lower of the purchase price and the appraisal price. If the loan review and approval personnel have objections to the value of the mortgage, they can request a formal appraisal of the house and are not allowed to apply for an "additional mortgage". For areas with poor economic environment and greater pressure to de-bubble assets, branches should revaluate the value of the collateral, determine the value of the collateral based on the lower of the revaluation value and the above-mentioned value, and adjust the maximum value accordingly based on the decline in local housing prices. Mortgage rate.

China Everbright Bank personal revolving loan (currently known as 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, with housing loans as the first This loan is included under the revolving loan, and the other lines are revolving consumption credit lines. The loans under this item can be used for personal comprehensive consumption.

Personal housing refers to housing that complies with the provisions of our bank's "Personal Housing Loan Management Measures", including first-hand housing and second-hand housing including garages (spaces) that are included in the housing loan, excluding separate loans. parking space.

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.

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. .