White-collar personal consumption credit loans are more reliable, because white-collar workers are pure credit unsecured loans launched by Bank of Ningbo, with a loan amount of 500,000-300,000, a credit line of 300,000, 200,000, 654.38+05,000, 654.38+00,000 and 55,000. The loan interest rate is 0.60%-0.70%; The loan term is 1 month to 36 months, and the term of a single loan shall not exceed 1 year; Loans are used for personal consumption loans and unsecured credit loans, and are suitable for qualified professionals such as employees of state-owned enterprises, civil servants, lawyers, teachers, corporate legal persons, individual industrial and commercial households and freelancers.

1. Bank of Ningbo White Collar Association will provide a certain amount of RMB credit business to borrowers according to their creditworthiness and contribution. Within the validity period and credit line, the borrower can handle the loan conveniently and quickly as needed.

2. After the white-collar credit expires, if the customer fails to apply in writing to dissolve or terminate the personal credit loan contract and the lender fails to unilaterally dissolve or terminate the personal credit loan contract, the credit period will be automatically extended for 3 years, and so on, and the number of extensions is unlimited.

3. The loan interest of Bailingtong shall be calculated on a daily basis, and a personal settlement account shall be opened with the lender. It is agreed that the entrusted lender shall deduct the loan principal and interest from its account according to the contract, pay the interest on a monthly basis, repay the principal when it is due, and deduct the interest on the 20th of each month.

White collar loan conditions

1. Borrower: China white-collar worker.

1) civil servants

2) Teachers, doctors or staff of other institutions;

3) middle and senior managers of the enterprise; Ordinary staff in telecommunications, electric power, tobacco, oil refining, ports, salt affairs, finance, lawyers, accounting and other industries. At present, only these nine industries are accepted, among which lawyers and certified public accountants must have more than three years' practice qualification certificates. )

2. Subject age: 18 years old, a natural person with full capacity for civil conduct, who has not retired after the credit expires. The actual age is no more than 55 years old for women and no more than 60 years old for men.

3. Living conditions: there is a fixed residence, permanent residence or valid residence certificate at the lender's location.

4. Wage income: Have a stable occupation and high economic income, and have the ability to repay the loan principal and interest on schedule.

5. Asset requirements: there must be a commercial house.

6. Working years: working years are more than 2 years or actual age is more than 25 years old.

7. Credit requirements: In principle, customers with bad credit records are not allowed to handle white-collar business.