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CITIC Bank Loans

CITIC Bank Loan was established in 1987 and is one of the earliest emerging commercial banks in China's reform and opening up. In April 1985, CITIC Bank established the Banking Department on the basis of the original Ministry of Finance to further expand its comprehensive banking services such as external financing, foreign exchange transactions, loans, international settlement, financial leasing and deposit taking. During the two years of establishment of the Banking Department, it has received strong support and assistance from the People's Bank of China and the State Administration of Foreign Exchange. Its business has progressed rapidly. It has handled RMB and foreign currency deposits, loans, import and export licenses, international leasing, and premium securities. As for foreign exchange trading and foreign currency exchange, it has accumulated certain experience and has initially established the conditions for the establishment of a bank.

CITIC Bank Loan Business

The scope of business mainly includes: RMB deposits, loans, settlement, discounting business; currency exchange, traveler’s check, credit card business; agency receipt and payment and property preservation; economic guarantee and credit witnessing business; economic consulting business; foreign exchange deposits, remittances, loans, guarantees Business; issuance or agency of foreign currency securities at home and abroad; trade, non-trade settlement; acceptance and discounting of foreign currency bills, purchases and sales or agency sales and foreign currency securities; foreign exchange; export credit.

CITIC Bank loan conditions

1. Hold a legal household registration book (not limited to this city), identity card or business license, legal representative's certificate or legal residence permit and passport, and purchase the commercial housing of the designated developer of the bank in this Municipality;

2. Open a deposit account in the bank, and the deposit balance is not less than 30% of the purchase price of the housing;

3, have a valid home purchase contract, agreement and other certification documents;

4. agree to mortgage the house property under the purchase contract;

5, willing to fulfill all the terms of the loan contract;

6. Other conditions stipulated by the bank.

Information to be issued and provided:

1. The original and photocopy of the resident identity card;

2. Original and copy of the house subscription book;

3. The original payment and photocopy of the initial payment;

4. Certificate of monthly contribution, including personal and family income certificates, deposit certificates (passbook or other securities), etc.

CITIC Bank Loan Inquiry

1,Counter inquiry.The borrower can carry the loan related documents and his ID card to the business counter to check the progress of the loan.

2,Telephone inquiries.Check the progress of the loan can be found for our bank staff handling the loan consultation, the general staff of these loans to us should be able to help us inquiries, of course, can also call the customer service hotline 95558, so that customer service staff to help you inquiries. The

What kind of loan does CITIC Bank have?

Personal Real Estate Mortgage Loans

Provide professional services for family consumption, operating financing

Provide users with home mortgage loans, real estate mortgage comprehensive credit, place loans, net worth loans, mortgage loans and five major product services.

New car consumer loans

Customers buying new cars

Convenient service: direct application, approval, and efficiency at the dealership

Ultra low down payment: minimum 20% of car price only

Long term: up to 5 years

Rich choices: numerous cooperative brands and flexible loan options

Limited time offer: multiple brands, multiple models 0 interest, ultra low interest rates.

Used car consumer loans

Customers buying used cars

Convenient service: direct application, approval and high efficiency Ultra low down payment: minimum price is only 50% of vehicle price. Long term: up to 3 years. Rich options: large number of cooperative brands, flexible loan methods

Financial assets pledge loan

Customers holding deposit certificates, government bonds, wealth management and other financial assets.

One credit line for recycling

Full coverage of financial assets

Asset appreciation also supports liquidity

Credit Loans

High-quality and high-end customers, our bank pays customers on behalf of the company.

Free mortgage, free guarantee

One credit line for recycling

Easy to apply, fast approval

POS Merchant Loan

UnionPay Commerce POS Acquirer Merchants

Up to 500,000 yuan, a deadline of 3 months, pure online application for loans, the entire 2 minutes, with the loan back.

Online Credit Credit

Our bank pays the customer orDeposit of Provident Fundclient

Up to 300,000 yuan, the maximum period of 1 year, pure online processing, 2 minutes lending, pay interest on a monthly basis, due to return this, with the loan with the return.

Study Loan

I or a family member who is studying abroad.

High credit

Long term

Various ways of guarantee

Withdrawal flexibility


Provide various payment methods such as easy return, salary pay, single and double weeks, etc. to meet the individual needs of customers with different income characteristics

China CITIC Bank Net Worth Loan

The customer who had already processed the housing mortgage loan at China CITIC Bank mortgaged the mortgaged property again to CITIC Bank. The personal loan that was applied for business purposes was called net worth loan.

loan amount:

The total mortgage rate of the net loan and the original mortgage loan does not exceed 70% of the present value of the mortgaged asset.

Loan period:

The maximum credit limit is no more than 30 years, and the maximum loan period is no more than 10 years.

Loan mode:

Trust payments and independent payments can be adopted.

1. If the loan period is less than one year (including one year), repayment shall be made on time (month, quarterly), interest-bearing repayment, one-year repayment of principal and interest, monthly equal principal, monthly equal principal and interest, etc. the way;

2. The term of the loan is 1-3 years (including 3 years), and the monthly repayment method shall be adopted.

3. If the term of the loan is more than 3 years, the monthly repayment method must be used.

CITIC Bank Used Car Loan

Service Introduction

Your demand for a loan to buy a used car, I hope convenient, fast and preferential.

Service Advantages Convenient service: direct application, approval and high efficiency; ultra-low down payment: minimum price is only 50% of vehicle price; long-term deadline: up to 3 years; rich choices: many cooperation brands and flexible loan methods.

Service Introduction

Our business covers more than 100 cities across the country, with more than 5,000 dealerships, and a large number of brand models, as well as a variety of discount coupon models. We can submit applications through cooperative dealers, our official website, and mobile banking. Can be approved in the day, convenient, fast and preferential.

Loan conditions

1. The loan applicant is a natural person who has reached the age of 18 years and has complete civil capacity and has the following conditions:

2, with a local permanent residence;

3, with a stable career and income;

4, good credit, with the ability to repay principal and interest on time;

5, has signed a subscription car contract;

6, has paid to the dealer or bank deposit the first payment;

7, to provide bank approved guarantees;

8. Other conditions stipulated by the bank.

materials needed

1, ID card;

2, marriage certificate;

3. Certificate of income and assets;

4, proof of residence;

5, driver's license.

CITIC Bank Shun Loan

(a) What is the position loan

Customers who have already processed real estate mortgage loans at our bank have applied for a personal loan for consumer purposes after the mortgage of the second most favorable position has been settled.

(II) Loan Amount

Maximum loan amount = original mortgage-recognized property value - original mortgage loan amount

(III) Loan deadline

The maximum duration of a single loan is no more than three years. The maturity date of the loan does not exceed the original maturity date of the mortgage loan, and does not exceed the borrower’s statutory retirement date.

(4) Guarantee methods

A borrower applying for a loan in a straight position must apply for a mortgage (general mortgage) registration with the second-order balance of the mortgagee of my behavior.

(e) Loan forms

One-time lending.


1. If the loan period is within 1 year (including 1 year):

Repayment of principal and interest on maturity once

Monthly settlement, expiring one-time repayment

2. The loan period is more than 1 year:

Monthly and Quarterly Equal Repayment Act

Monthly (quarter)Equal principal repaymentlaw

Monthly Repayment, Annual Repayment Act

(7) Use of loans

Loan funds are used for consumer purposes and must not be used for other purposes or to withdraw cash.