3. Having a stable source of work and economic income, you can ensure the timely repayment of Everbright Cycle Easy Loan on the basis of timely repayment of mortgage.
Generally speaking, the application requirements of Everbright Cycling Easy Loan are still relatively high. Users who meet the above conditions can prepare their own copies of ID cards, interview records and income proof materials, and apply to the nearby business outlets of China Everbright Bank.
2. What are the requirements of Everbright Bank's "Personal Comprehensive Consumer Loan" for borrowers?
The application for individual housing provident fund loans of China Everbright Bank shall conform to the provisions of the Housing Provident Fund Management Department on housing provident fund loans. The basic conditions that should be met include: (1) having permanent residence in cities and towns or valid residence status; (two) to participate in the housing provident fund and pay it normally; (3) Having stable economic income, good credit and the ability to repay the principal and interest of loans; "Housing provident fund loan" refers to the loan that the housing provident fund management center uses the housing provident fund and entrusts China Everbright Bank to the depositors who buy, build or overhaul their own houses and the retired employees who paid the housing provident fund during their employment. The cities that provide housing provident fund loans are: Shanghai, Chongqing, Changchun, Wuhan, Guangzhou, Kunming and Yantai.
3. What are the requirements for a loan from China Everbright Bank?
Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Loan application materials:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.
Extended information borrowing principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.