1. If the house is used as collateral, the credit line shall not exceed 120% of the collateral value, and the mortgage rate shall not exceed 70%.
2. Where villas, commercial and residential houses and commercial houses with high liquidity and profitability are used as collateral, the credit line shall not exceed 65,438+000% of the value of collateral, and the mortgage rate shall not exceed 60%.
3. The collateral of this guarantee method does not include the standard factory building. "Personal employment loan" refers to the RMB loan issued by China Everbright Bank to supplement the working capital required by the business activities of social natural persons. Business units that handle personal loans are subject to an access system, which is approved by the president in charge of personal loan business and the risk directors of branches before the first quarter of each year. The "personal employment loan" of China Everbright Bank is used to supplement the liquidity required by the borrower's business activities, and may not be used for stock investment, registered capital of economic entities or other equity investments, business projects and purposes prohibited by national policies, laws and regulations, and may not be used for borrowing new ones and returning old ones.