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Chongqing Bank Loans

Chongqing Bank was established on September 19, 2007, formerly known as Chongqing Commercial Bank Co., Ltd., which was established in 1996. Official website: http://www.cqcbank.com, Chongqing Bank has a wealth of personal loan business and corporate loan business, the borrower can provide relevant information to the Chongqing Bank to apply for loans to the Bank of Chongqing.

Chongqing bank loan interest rate

First, short-term loans: the loan period is less than one year (including one year), and the interest rate is 4.35%;

Second, medium and long-term loans: loan period of one to five years, the interest rate of 4.75%; loan period of more than five years, the interest rate of 4.9%;

Precautions

This table rate is effective from October 24, 2015.

Chongqing Bank loan conditions

1. A person who is able to provide valid identification and has full civil capacity between the ages of 18 and 60;

2. Have stable economic income and have the ability to repay loan principal and interest on schedule;

3, Chongqing Bank has a fixed residence or valid residence certificate;

4. It is in accordance with the guarantee or conditions of Chongqing Bank, or it provides the pledged mortgage guarantee approved by the Bank;

5. Open a personal settlement account with Chongqing Bank, agreeing and authorizing the Bank of Chongqing to deduct the principal and interest of the loan from its account and the relevant expenses that should be borne by the borrower;

6. Has a clear loan application;

7. Meet other requirements of Chongqing Bank.

Chongqing Bank Loan Application Information

1. The original and copy of the valid identity document of the borrower;

2. The borrower's unit income certificate materials;

3. If the borrower applying for the mortgage or pledge guarantee method is married, he must provide a marriage certificate, a valid identity certificate and a copy of the spouse, and the joint repayment promise issued by the spouse of the loan applicant; if the loan applicant is not married, an unmarried statement must be issued. ;

4. Borrowing proof materials;

5. Other necessary materials required by Chongqing Bank.

Chongqing Bank Loan Products

Chongqing Bank has a wealth of personal loan products, including home loans, home mortgage loans, auto mortgage loans, general consumer loans, and reemployment loans.Revolving loan, Pledged loans, entrusted loan products, a variety of loan business for the borrower to choose.

Chongqing Bank Home Credit Housing Mortgage Loans

The "Home Credit" personal first-hand housing mortgage loan refers to the RMB loan issued by the Chongqing Bank to the borrower for the purchase of the developer's first-hand housing eligible for legal sales qualification. The loan for the fixed parking space refers to the loan issued by the Chongqing Bank to the borrower. Purchase RMB loans for the first-hand parking spaces that are matched with the purchased first-hand housing.

Application conditions

(1) Natural persons who have the citizenship of the People's Republic of China and have full civil capacity, or eligible Hong Kong, Macao and Taiwanese individuals;

(2) Have valid legal identification;

(3) have a stable source of income;

(4) Signing a house or parking space sale contract or other valid legal documents with the seller, and the purchased house or parking space can handle the ownership registration and mortgage registration;

(5) Open a personal settlement account with the Bank;

(6) There is proof of the ability to make the first payment that complies with our regulations;

(7) Meet other requirements or agreements of the Bank with the borrower.

Process

First, apply for a loan:

The borrower submits a loan application, fills in the "Chongqing Bank Personal Loan Application Review Examination and Approval Document," and submits the following information to the handling bank:

(1) The original and copy of the valid identity documents of the loan applicant and spouse;

(2) proof of marital status;

(3) original and copy of residence booklet;

(4) Borrower's income certificate;

(5) The original purchase contract signed with the developer;

(6) First payment voucher or proof of first payment ability;

(7) Other materials that our bank needs according to specific conditions.

Second, review loans

After receiving the borrower's application and the information that meets the requirements, the borrower's credit status, repayment ability, guarantee status, and the authenticity of the materials are reviewed and approved in accordance with the regulations, and the borrower's reply after approval.

Third, contract

After the approval of the loan, the borrower handles the following procedures:

The Bank signed loan contract and guarantee contract with the borrower, and handled related security procedures such as mortgage registration.

Fourth, grant loans

After the borrower completes the relevant procedures, the loan is issued to the borrower's personal account and the loan is transferred to the relevant payee's account according to the borrower's entrustment.

Chongqing Bank Imaginary Loan Guaranteed Loans

“Chuang Xiang Lian” secured loan refers to the small and micro enterprise financing guarantee provided by Chongqing Municipality. It is targeted at those who meet the conditions of policy support. There are job-focused groups and difficult people who have entrepreneurial requirements and have certain entrepreneurial conditions but lack venture capital. , After the review by the relevant government departments, the Bank issued a business loan to it. The applicant can apply to the local (village) neighborhood committee.

"Creating loans" guarantee loans include policy fiscal discount loans and portfolio loans.

feature of product:

(1) The loan amount is high, the policy-based financial discount loan can be loaned up to 150,000 yuan, and the combined loan can be loaned up to 300,000 yuan;

(2) Financial discount interest;

(3) Long term, up to 3 years

(4) Use of loans for production operations;

(5) The security method is comprehensive and flexible.

Application conditions:

(1) Migrant workers with self-employed and self-employed individuals who have legal and valid identity certificates to enter the city must hold industrial and commercial registration certificates, tax registration certificates, and residence certificates issued by the industrial and commercial, tax, and public security departments, among which returning entrepreneurs must also provide The certificate of going out of work issued by the residence (village) committee of the place where the account is located is required, and the labor agent must also provide a valid certificate issued by the brokerage association;

(2) Natural persons with full capacity for civil conduct, and men are within 60 years of age, and women are within 55 years of age;

(3) There are permanent residences in this district;

(4) Good health, honesty and trustworthiness, no maliceBad credit history;

(5) Handle individual business licenses and tax registrations;

(6) Have certain labor skills and get employment and reemployment training;

(7) A business entity or small business has a fixed business location and has a certain amount of its own capital;

(8) The business project undertaken is a meager profit project;

(9) The loan application is only used for short-term liquidity turnover;

(10) Open a settlement account with the Bank;

(11) The borrower must provide a full amount of collateral, pledge of pledge, or guarantee guarantees that meet the conditions;

(12) Other conditions stipulated by our bank.

Process flow:

1. The borrower provides the relevant certification materials to the local community (village) committee application and fill inWrite "Application Approval Form";

2. After review by the community (village) committee in compliance with the relevant regulations, a clear opinion shall be signed at the corresponding position in the “Application Approval Form” and recommended to the street (township);

3. After the review of the street (township) where it meets the relevant regulations, it will be recommended to the county's labor and employment department;

4. The district/county labor department shall review the summary with the financial department, and submit it to the administrative agency of China;

5. Conduct pre-loan surveys after each agency handles the connection;

6. Review and approve and submit approval opinions;

7. After the loan is approved for approval, the borrower handles the following procedures:

* Apply for loan guarantee procedures;

* Banks and borrowers sign loan contracts and guarantee contracts, apply for mortgage registration and other related security procedures.

8. Loan Disbursement: After the borrower completes the relevant formalities, the loan is issued to the borrower's personal account and the loan is transferred to the relevant payee's account according to the borrower's entrustment.

Chongqing Bank Revolving Loans

Yangtze River CardRevolving loanIt is a renminbi loan product that is provided by my clients who have personal financing needs. The loan application will be submitted in the name of a natural person. After approval by the Bank, the amount of the revolving credit will be used during the validity period of the quota.

1. One-time application, recycling: You can use the credit method for credit, once for credit, and use it repeatedly.

2. Convenient application and wide application: You can apply to any branch of our bank. The loan can be used for many reasonable consumer purposes such as buying a car, purchasing large amounts of durable consumer goods, home decoration, education and training, health care, and leisure travel.

3. Many ways of security: You can choose credit, pledge, mortgage, guarantee and other security methods.

4. With more money channels: POS machines, online payment, online banking, telephone banking, counters, multi-channel funds let you easily worry-free.

5. Longer term length:Loan amountUp to 3 million, up to 3 years.

6. Repayment methods are flexible: various types of repayment methods, such as interest payment and repayment of principal and interest, will be available.

Chongqing Bank Shunde Loan

“Shunjiang Loan” Personal Loan is an index to the Bank's stock mortgage personal loan customers, according to their credit status, repayment ability, mortgage property status, our bank stock mortgage loan balance or approval amount, etc. The provided RMB loan products for personal consumption.

Application conditions:

(1) Natural persons who are of nationality of the People's Republic of China and have reached the age of 23 and have full civil capacity (excluding Hong Kong, Macao, and Taiwanese);

(2) Have stable economic income and have the ability to repay loan principal and interest on schedule;

(3) The repayment record for one year (inclusive) of the stock collateral loan in our bank;

(4) The sum of the age of the borrower and the term of the loan shall not exceed 60 years;

(5) Open a personal settlement account with the bank, agree and authorize the bank to deduct the principal and interest of the loan from the account and the related expenses that should be borne by the borrower;

(6) Has a clear, compliant and legal consumer loan application;

(7) Meet other requirements of the Bank.

Process flow:

First, apply for a loan:

The borrower can only apply for a smooth loan at the institution that holds the loan. When submitting an application, the borrower should provide the following information:

(1) The original and copy of the valid identity documents of the loan applicant and spouse;

(2) proof of marital status;

(3) Borrower's unit income certificate;

(4) Declaration of the use of the loan material or use;

(5) Evaluation report of mortgage property;

(6) Other necessary materials required by Chongqing Bank.

Second, review loans:

After receiving the borrower's application and the information that meets the requirements, the borrower's credit status, repayment ability, and authenticity of the materials are reviewed according to the regulations, and the borrower's reply is given after the review.

Third, signing:

After reviewing and agreeing to the loan, the borrower handles the following procedures:

The Bank signed loan contract and guarantee contract with the borrower, and handled related procedures such as mortgage registration.

Fourth, grant loans:

After the borrower completes the relevant procedures, the loan is issued to the borrower's personal account and the loan is transferred to the relevant payee's account according to the borrower's entrustment.

Chongqing Bank’s Personal Loan Overseas Study Loan

Individual loan guarantee for studying abroad refers to a kind of RMB guaranteed loan issued by the Bank to the borrower for the borrower himself or his legal ward or his or her immediate family to apply for the required deposit in an overseas school.

Application conditions:

(1) Natural persons with full civil capacity;

(2) Have valid legal status, family registration and marriage certificate;

(3) Has stable economic income and has the ability to repay loan principal and interest on schedule;

(4) Admission notices, letters of acceptance or intermediary companies' recommendation letters for attending schools;

(5) To provide guarantees approved by the Bank;

(6) Self-raised funds must reach 10% of the proof amount of the deposit credit issued, and be deposited into the Bank on a regular basis;

(7) The certificate of deposit issued with the deposit credit certificate must be an automatic deposit certificate;

(8) Meet other requirements of our bank.

Process flow:

First, apply for a loan:

The borrower should submit a written application to the Bank and provide the following information:

(1) The original and copy of the valid identity documents of the loan applicant and spouse;

(2) proof of marital status;

(3) original and copy of residence booklet;

(4) Personal Admission Letter for Studying Abroad Mortgage Loan or Admission Notice for Schools

Read the school's letter of acceptance, etc.

(5) Proof of income of the borrower's unit;

(6) Self-raised funds not less than 10% of the amount of proof of deposit credit issued and on a regular basis

Deposit in my bank

(7) Other necessary materials required by Chongqing Bank.

Second, review loans:

After receiving the borrower's application and the information that meets the requirements, the borrower's credit status, repayment ability, and authenticity of the materials are reviewed according to the regulations, and the borrower's reply is given after the review.

Third, signing:

After reviewing and agreeing to the loan, the borrower handles the following procedures:

The Bank signed a loan contract and a guarantee contract with the borrower and handled the relevant guarantee procedures.

Fourth, grant loans:

After the borrower completes the relevant formalities, the loan is issued to the borrower's personal account.

Chongqing Bank Happiness Loans

Happiness loan refers to the application of a loan in the name of a natural person, the provision of a mortgage guarantee that meets our bank's requirements, and the use of the obtained loan for consumption. At the same time, the Bank will provide a RMB personal loan to the eligible borrower for a limited time.

Long loan period: up to 10 years;

2. Wide coverage: Applicable to all customers who have a legitimate and stable income and have a property under their name;

3. Wide range of loans: Applications for housing decoration, leisure tourism, education and training, health care, car purchase, purchase of large-value and durable consumer goods, etc. when they lack funds

4. Repayment flexibility: Within two years of the loan period, you can take the form of fixed-term repayments, monthly payments, quarterly amounts, etc.; with a loan period of two years or more, you can use the monthly equal amount or the quarterly equivalent method to ease the repayment pressure.