CITIC Bank Loan Business
The business scope mainly includes: RMB deposit, loan, settlement, discounting business; exchange, traveler's check, credit card business; agency receipt and payment and property custody business; economic guarantee and credit witness business; economic consulting business; foreign exchange deposit, remittance, lending, guarantee Business; issuance or distribution of foreign currency securities at home or abroad; trade, non-trade settlement; foreign currency bill acceptance and discounting, trading or agency trading and foreign currency securities; foreign currency exchange; export credit.
CITIC Bank Loan Conditions
1. Hold a legal household registration book (not limited to the city), an ID card or a business license, a legal representative certificate or a legal residence permit, a passport, and purchase a commercial house of a designated developer in the city;
2. Open a deposit account in the bank, the balance of the deposit is not less than 30% of the amount of the house to be purchased;
3. Have valid purchase contracts, agreements and other supporting 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 ID card;
2. The original and copy of the house subscription book;
3. The original and photocopy of the payment of the first installment;
4. Proof of monthly contribution ability, including: personal and family income certificate, deposit receipt (passbook or other securities).
CITIC Bank Loan Inquiry
1,Counter inquiry.The borrower can carry the relevant documents of the loan and his ID card to the sales counter to check the progress of the loan.
2,Telephone enquiry.Inquiring about the progress of the loan can be found for the bank staff who handle the loan. Generally, the staff who give us the loan should be able to help us to check. Of course, you can also call the customer service hotline 95558 to let the customer service staff help you.
What loans does CITIC Bank have?
Personal real estate mortgage
Professional services for household consumption and financing
Provide users with five major product services: housing mortgage loan, real estate mortgage comprehensive credit, land loan, net worth loan, and redemption loan.
New car consumer loan
Customers who buy new cars
Convenient service: direct application, approval and efficient
Ultra low down payment: minimum 20% of the price
Long term: up to 5 years
Rich choices: many cooperative brands and flexible loan methods
Limited time offer: 0 interest for multiple brands and multiple models, ultra low interest.
Used car consumer loan
Customers who buy used cars
Convenient service: direct application, approval and high efficiency. Ultra-low down payment: minimum price of only 50% of the car price. Long term: up to 3 years. Rich choice: many cooperative brands and flexible loan methods.
Financial asset pledge loan
Customers who hold financial assets such as certificates of deposit, government bonds, and wealth management.
One credit line recurring
Full coverage of financial assets
Asset appreciation while supporting liquidity
High-quality high-end customers, our bank pays customers.
Free of charge, no guarantee
One credit line recurring
Easy application and fast approval
POS merchant online loan
POS acquiring merchants of UnionPay Business
Up to 500,000 yuan, the term is 3 months, apply for the loan on the pure online, the whole journey is 2 minutes, with the loan.
Online credit consumer loan
Our bank pays customers orProvident fund depositclient
Up to 300,000 yuan, the longest period of one year, pure online processing, 2 minutes of lending, monthly interest payments, due repayment, with the loan.
Study abroad loan
A client who is studying abroad by himself or a member of his or her family.
Various ways of guarantee
Provide a variety of repayment methods, such as easy, payable, single and double weekly, to meet the individual needs of customers with different income characteristics
CITIC Bank Net Value Lending
Customers who have applied for a mortgage loan at CITIC Bank will mortgage the mortgage property to CITIC Bank again, and the personal loan for business use is called net worth loan.
The combined mortgage rate of the net worth loan and the original mortgage loan does not exceed 70% of the current assessed value of the collateral.
The maximum credit limit is no more than 30 years, and the loan term is no longer than 10 years.
Trusted payment and autonomous payment methods can be adopted.
1. The term of the loan is less than one year (including one year), and the repayment of the due date (monthly, quarterly), the repayment of the principal due date, the repayment of the principal and interest, the monthly principal amount, and the monthly repayment of principal and interest. the way;
2. The term of the loan is 1-3 years (including 3 years), and the monthly repayment method is used in equal monthly installments;
3. If the loan term is more than 3 years, it must be paid in monthly instalments.
CITIC Bank used car consumer loan
Your needs want to borrow a car to buy a used car, hope to be convenient, fast and preferential.
Convenient service advantages: direct application, approval and efficient; ultra-low down payment: minimum of only 50% of the price of the car; long term: up to 3 years; rich choices: a large number of cooperative brands, flexible loan methods.
Our business covers more than 100 cities across the country, more than 5,000 dealers, a large number of brand models, and a number of discounted models, can be submitted through a variety of channels, such as cooperative dealers, our official website, mobile banking, 2 jobs It can be approved in a day, convenient, fast and preferential.
1. The borrower is a natural person who is at least 18 years of age and has full civil capacity and has the following conditions:
2. Have a local permanent residence;
3. Have a stable career and income;
4. Good credit and ability to repay principal and interest on schedule;
5. The contract for the purchase of the car has been signed;
6. Payment has been made to the dealer or deposited in the bank;
7. Provide bank-approved guarantees;
8. Other conditions stipulated by the bank.
1. ID card;
2. Marriage certificate;
3. Income and asset certificates;
4. Certificate of residence;
5, driver's license.
CITIC Bank's loan
(1) What is the right loan?
Customers who have applied for mortgage loans in our bank will apply for personal loans for consumer use after completing the mortgage of the second-order balance.
(2) Loan amount
Maximum loan amount = original mortgage approved property value - original mortgage amount
(3) Term of loan
The maximum loan period is no more than three years. The loan maturity date does not exceed the original mortgage loan maturity date and does not exceed the borrower's statutory retirement date.
(4) Ways of guarantee
The borrower applying for the right mortgage must apply for the mortgage of the second-order balance (general mortgage) of the mortgagee of my behavior.
(5) Form of loan
1. The loan period is less than one year (including one year):
Repayment of principal and interest once due
Monthly settlement, one-time repayment of principal and interest
2. The term of the loan is more than one year:
Monthly and quarterly equivalent principal and interest repayment method
By month (season)Equal principal repaymentlaw
Monthly repayment, annual repayment method
(7) Loan use
Loan funds are used for consumer purposes and may not be used for other purposes or to withdraw cash.
How about CITIC Bank's second-second loan, how to apply?The Wuhan Provident Fund Management Center and the CITIC Bank Wuhan Branch jointly launched the “Second Second Loan”. If the CPF is paid for two years, you can apply for a consumer loan up to 300,000 yuan online. The interest rate is not higher than similar products. "Second second loan" "second second loan" business has "zero data, fast approval, simple operation, interest
What is the CITIC Bank real estate credit process?CITIC Bank's personal property mortgage loan is a renminbi loan that is secured by a personal property mortgage issued by a natural person and used legally. The starting point of a single loan amount is not less than 50,000 yuan, the highest is generally not more than 1 million yuan, and the loan term is as short as one year and the longest is ten years. Interest rate according to the People's Bank of China
What are the conditions for CITIC Bank's consumer loan application?Conditions for loan application 1. There must be a fixed income, depending on the salary details; 2. 18-65 years of age; 3. If the loan is used for business or car purchase, there must be a guarantor and mortgage; 4. The credit is good. Loan application information 1. Lender's ID card; 2. The lender's credit information for the past six months, and the credit information is good;
How is the calculation of the late payment fee of CITIC Bank?Late payment fee = number of loans not paid on time * number of overdue days * date overdue interest rate overdue interest rate. The late payment fee of CITIC Credit Card is 5% of the minimum repayment amount. The starting point of CITIC Bank's credit card late payment is the highest among the 18 banks, with a minimum charge of 30 yuan, which means that if the credit card holder has a minimum repayment amount of 8
How about CITIC Bank's deposit and loan?CITIC Bank has upgraded its deposit and loan business, which is popular among personal loan customers, and has once again been listed on the market. The deposit and loan business is a special preferential service for CITIC Bank's personal loans (including housing loans, consumer loans, auto loans, personal business loans, etc.) customers.
What is the amount of CITIC Bank's provident fund loan?CITIC Bank is the first bank in the industry to launch a network credit consumer loan for a CPF depositor. Through the data docking with the housing provident fund management center, it analyzes the behaviors of individual deposit, withdrawal, and use, and automatically completes the comprehensive credit evaluation. Customers who meet the loan conditions are issued for car purchase and decoration