National

[Switch city]

Chongqing bank loan

Chongqing Bank was established on September 19, 2007. Its predecessor was 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 Chongqing Bank to apply for a loan to Chongqing Bank.

Chongqing bank loan interest rate

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

2. Medium and long-term loans: the loan term is one to five years, the interest rate is 4.75%; the loan term is more than 5 years, and the interest rate is 4.9%;

Precautions

The interest rate of this watch will be implemented from October 24, 2015.

Chongqing bank loan conditions

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

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

3. There is a fixed residence or valid residence certificate in Chongqing Bank;

4. Comply with the guarantee or conditions of Chongqing Bank, or provide the pledge guarantee approved by the Bank;

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

6. Have a clear use of the loan;

7. Meet other requirements of Chongqing Bank.

Chongqing Bank Loan Application Information

1. The original and photocopy of the valid ID card of the borrower;

2. Proof of income of the borrower's applicant unit;

3. If the borrower applying for the pledge or pledge guarantee is married, it must provide the marriage certificate, the valid ID card and photocopy of the spouse, and the co-repayment commitment letter issued by the spouse of the borrowing applicant; if the borrower is unmarried, a marriage declaration must be issued. ;

4. Proof materials for borrowing purposes;

5. Other necessary materials required by Chongqing Bank.

Chongqing bank loan products

Chongqing bank loans are rich in personal loan products, including home loan mortgage loans, car mortgage loans, comprehensive consumer loans, and reemployment loans.Revolving loan, pledge loans, entrusted loan products, a variety of loan business for the borrower to choose.

Chongqing Bank Home Loyalty Mortgage Loan

The first-hand housing mortgage loan of Jiajiale refers to the RMB loan issued by the Chongqing Bank to the borrower for purchasing the first-hand housing developed by the developer that has obtained the legal sales qualification. The supporting parking space loan refers to the loan issued by the Chongqing bank to the borrower. Purchase a RMB loan in the first-hand parking space with the purchase of the first-hand housing.

Application conditions

(1) Natural persons who have the nationality of the People's Republic of China and have full capacity for civil conduct or qualified Hong Kong, Macao and Taiwan persons;

(2) Have legal and valid identification;

(3) Have a stable source of income;

(4) Signing a house or parking space sales 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) Opening a personal settlement account with us;

(6) There is a certificate of first payment capability in accordance with the Bank's regulations;

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

Processing process

First, apply for a loan:

The borrower submits a loan application and fills in the “Chongqing Bank Personal Loan Application Review and Approval Letter” to submit the following information to the handling office:

(1) The original and photocopy of the valid identity document of the borrower and the spouse;

(2) proof of marital status;

(3) The original and copy of the household registration book;

(4) Proof of income of the borrower's applicant;

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

(6) Certificate of first payment or proof of ability to make a payment;

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

Second, the trial loan

After receiving the borrower's application and the information that meets the requirements, the creditor's credit status, repayment ability, guarantee status, and authenticity of the materials shall be reviewed and approved according to the regulations, and a reply shall be made after approval.

Third, signing

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

The Bank signed a loan contract and a guarantee contract with the borrower to handle the mortgage registration and other related guarantee procedures.

Fourth, the issuance of loans

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

Chongqing Bank Creative Loan Guarantee Loan

“Creation Loan” secured loan refers to the guarantee guarantee provided by Chongqing Xiaowei Enterprise Finance Guarantee Co., Ltd., which is aimed at the policy support conditions, the employment focus group and the difficult personnel who have entrepreneurial requirements, have certain entrepreneurial conditions but lack entrepreneurial funds. After the approval of the relevant government departments, the Bank issued operating loans to it. Applicants can apply to the local (village) neighborhood committee.

The “magic deposit” secured loans include policy-based fiscal discount loans and portfolio loans.

feature of product:

(1) The loan amount is high, the policy financial discount interest loan can be up to 150,000 yuan, and the portfolio loan can be up to 300,000 yuan;

(2) Financial discounts;

(3) Long term, maximum loanable for 3 years

(4) The use of the loan is for production and operation;

(5) The guarantee method is comprehensive and flexible.

Application conditions:

(1) Have legal and valid identification of identity, migrant workers who enter the city to start their own businesses and engage in self-employment must hold the industrial and commercial registration certificate, tax registration certificate and residence certificate issued by the industry and commerce, taxation and public security departments, and the returning entrepreneurs must also provide The proof of the out-of-town work certificate issued by the resident (village) committee of the household registration, the labor broker also needs to provide a valid certificate issued by the broker association;

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

(3) There are permanent residence accounts in the district;

(4) Good health, honest and trustworthy, no maliceBad credit history;

(5) Handling the individual business license and tax registration;

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

(7) The partnership business entity or small enterprise has a fixed business place and has certain self-owned capital;

(8) The business project undertaken is a low-profit project;

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

(10) Opening a settlement account with us;

(11) The borrower must provide a full mortgage, pledge guarantee or qualifying guarantee;

(12) Other conditions as stipulated by our bank.

Processing process:

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

2. After the community (village) committee has reviewed the relevant regulations, sign a clear opinion at the corresponding position of the “Approval Form” and recommend it to the street (township);

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

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

5. After handling the documents, the agencies will conduct pre-lending investigations;

6. Conduct review and approval, and submit approval opinions;

7. After approving the loan, the borrower will go through the following procedures:

* Apply for loan guarantee procedures;

* The bank signs the loan contract and guarantee contract with the borrower, and handles the relevant mortgage procedures such as mortgage registration.

8. Loan issuance: After the borrower has completed the relevant procedures, the loan is issued to the borrower's personal account and the loan is transferred to the relevant payee account according to the borrower's entrustment.

Chongqing Bank Revolving Loan

Yangtze River CardRevolving loanIt is a RMB loan product provided by customers who have personal consumption financing needs. The product is submitted in the name of a natural person. After approval by the Bank, the amount of the revolving use amount can be recycled within the validity period of the quota.

1. One application, recycling: It can be handled by credit line, one credit, and multiple times.

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

3. There are many guarantee methods: you can choose credit, pledge, mortgage, guarantee and other guarantee methods.

4. Use more channels: POS machine, online payment, online banking, telephone banking, counter, multi-channel use makes you feel comfortable.

5. The quota is high and the term is long:Loan amountUp to 3 million, up to 3 years.

6. Repayment method is flexible: it can be used in conjunction with the clearing, regular payment of interest, and various repayment methods.

Chongqing Bank Shun Credit

The “shunning loan” personal loan refers to the personal mortgage loan customer of our bank, according to its credit status, repayment ability, mortgage property status, the balance of the mortgage deposit of the Bank, or the amount of approval, etc. A renminbi loan product for personal consumption.

Application conditions:

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

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

(3) There is a repayment record of one year (inclusive) or more in the stock mortgage loan of our bank;

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

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

(6) Have a clear, compliant and legal use of consumer loans;

(7) Meet other requirements of our bank.

Processing process:

First, apply for a loan:

The borrower can only apply for the credit in the institution of the stock loan, and the following information should be provided when submitting the application:

(1) The original and photocopy of the valid identity document of the borrower and the spouse;

(2) proof of marital status;

(3) Proof of income of the borrower's applicant unit;

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

(5) Evaluation report of mortgaged property;

(6) Other necessary materials required by Chongqing Bank.

Second, the review of 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 will be reviewed according to the regulations, and a reply will be made after the review.

Third, signing:

After reviewing the loan, the borrower goes through the following procedures:

The Bank signs the loan contract and guarantee contract with the borrower, and handles the relevant procedures such as mortgage registration.

4. Issue loans:

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

Chongqing Bank Individual Study Abroad Guarantee Loan

The personal study abroad loan deposit refers to a RMB-guaranteed loan issued by the Bank to the borrower for the borrower's own or his legal ward or his immediate family to apply for the required deposit at the overseas school.

Application conditions:

(1) Natural persons with full capacity for civil conduct;

(2) Have legal and valid identity, household registration and marriage certificate;

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

(4) Admission notice, acceptance letter or intermediary company recommendation letter with the school;

(5) Providing a guarantee approved by the Bank;

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

(7) The time deposit certificate with the deposit certificate must be an automatic transfer certificate;

(8) Meet other requirements of our bank.

Processing process:

First, apply for a loan:

The Borrower shall submit a written application to the Bank and provide the following information:

(1) The original and photocopy of the valid identity document of the borrower and the spouse;

(2) proof of marital status;

(3) The original and copy of the household registration book;

(4) Personal recommendation letter for studying abroad, or a letter of acceptance for the school or

Reading letters from the school, etc.;

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

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

Deposited into my bank

(7) Other necessary materials required by Chongqing Bank.

Second, the review of 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 will be reviewed according to the regulations, and a reply will be made after the review.

Third, signing:

After reviewing the loan, the borrower goes through the following procedures:

The Bank signs a loan contract and a guarantee contract with the borrower and handles the relevant guarantee procedures.

4. Issue loans:

After the borrower has completed the relevant procedures, the loan will be issued to the borrower's personal account.

Chongqing Bank Happy Loan

Happiness Loan refers to the application of a loan in the name of a natural person, providing a mortgage guarantee that meets the requirements of the Bank, and using the obtained loan for consumption. At the same time, the Bank promises a qualified personal loan to the eligible borrower.

1. Long term loan: up to ten years;

2. Wide coverage: Applicable to all customers with legitimate and stable income and real estate under the name;

3. Wide range of loans: Housing renovation, leisure travel, education and training, health care, car purchase, purchase of large-scale durable consumer goods, etc., lack of funds, can apply;

4. Flexible repayment: Within two years of the loan term, it can be repaid at maturity, monthly, equal, quarterly, etc.; if the loan term is more than two years, it can be used on a monthly or quarterly basis to reduce the repayment pressure.