Perpetual loan is the first innovative housing mortgage online loan product launched by Zhongyuan Bank. As long as the user has an existing house under his name, he can apply for a "perpetual loan", get a credit line that can be withdrawn at any time for 24 hours, and turn the original property into working capital that can be withdrawn at any time in case of emergency.

Zhongyuan Bank's mortgage business is more humanized and intelligent, with online application and online approval. The loan term can be up to 30 years, and the mortgage rate is as high as 80%.