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, 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 copy 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 personnel 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 finance
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: many 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
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.
I or a family member who is studying abroad.
Various ways of guarantee
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 to China CITIC Bank again. The personal loan applied for business purpose is called net worth loan.
The total mortgage rate of the net loan and the original mortgage loan does not exceed 70% of the present assessment value of the mortgage.
The maximum credit limit is no more than 30 years, and the maximum loan period is no more than 10 years.
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
Your demand for a loan to buy a used car, I hope convenient, fast and preferential.
Service Advantages Convenient service: direct application, approval and efficient; ultra-low down payment: minimum price is only 50% of vehicle price; long-term deadline: up to 3 years; rich options: many cooperation brands, flexible loan methods.
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, which can be submitted through a variety of ways including cooperative dealers, our official website, and mobile banking. Can be approved in the day, convenient, fast and preferential.
1. The loan applicant is a natural person who has attained the age of 18 years and has full 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.
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
(c) 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 maturity date of the original 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
1. If the loan period is within 1 year (including 1 year):
Repaying principal and interest once and for all
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.
How does China CITIC Bank apply for second-second loans?Wuhan City Provident Fund Management Center and China CITIC Bank Wuhan Branch formally launched the “Second Second Loan”. When the reserve fund is paid for two full years, it can apply for a consumer loan of up to 300,000 RMB online. The interest rate is not higher than similar products. "Second sec. loan" "second sec. loan" business has "zero data, fast approval, simple operation, and interest
What is CITIC Bank's real estate loan repayment process?China CITIC Bank’s personal property mortgage loan is a guaranteed RMB loan that is guaranteed by personal property mortgages issued by natural persons. The starting point of a single loan amount is not less than 50,000 yuan, and the maximum is generally no more than 1 million yuan. The minimum loan term is one year and the longest ten years. Interest rate according to the People's Bank of China
What are the conditions for China CITIC Bank's consumer loan application?Loan application conditions 1, have a fixed income, depends on the details of the salary; 2, 18-65 years of age; 3, if the loan is used for business or car purchases, there must be a guarantor and mortgage; 4, credit information is good. Loan application data, lender ID card; 2. The lender's credit information in the past six months, and credit information is good;
CITIC Bank, how to calculate the late payment of mortgage loans?Late Fees = Number of loans not repaid on time * Overdue days * Overdue interest rates. Overdue interest rates. CITIC credit card late fees will be 5% of the unpaid portion of the minimum repayment amount. The starting point for the credit card late payment of CITIC Bank is the highest among 18 banks, with a minimum charge of 30 yuan, which means that if the credit card holder’s minimum repayment amount is 8
CITIC Bank deposit credit how?China CITIC Bank upgraded the deposit loan business, which is highly popular with individual loan customers, and once again launched a grand public listing. It has recently re-listed again. The deposit loan business is a special offer service for customers of CITIC Bank personal loans (including housing loans, consumer loans, auto loans, personal business loans, etc.)
What is the amount of CITIC Bank provident fund loans?China CITIC Bank is the first bank in the industry to launch a CPF depositor’s online credit consumer loan. Through the data linking with the HPF Center, it analyzes individual deposits, withdrawals, and expenditures, and automatically completes comprehensive credit evaluations. Customers who meet the loan conditions are issued for car purchase and decoration