1. Does CITIC Xinmiao Credit need a CITIC Bank card?

Yes, you cannot apply for second credit without a CITIC Bank card. To apply for instant credit, you must have a credit card from China CITIC Bank.

The application conditions for CITIC Bank’s Credit Loan are:

1. Applicants are between 20 and 55 years old and are mainland citizens with full capacity for civil conduct (except school students).

2. Applicants must have good personal credit and no bad overdue records.

3. The applicant has a stable job and income and can repay the loan principal and interest on time.

4. Have paid personal income tax for two consecutive years, or have paid provident fund for two years and paid continuously in the past year.

5. The applicant has applied for a house purchase loan or real estate mortgage loan at CITIC Bank.

2. How is a CITIC Bank mortgage loan processed? What are the precautions?

1. Those who are within the country, aged between 18 and 60 years old, and have full capacity for civil conduct. A natural person who also meets the following conditions: has a local permanent residence or valid residence status; has a stable occupation and income; has good credit and has repaid the principal and interest of the loan on time (the original borrower) has signed a "Commercial Housing Sales Contract"; provides a person who can pay The loan amount and term of the remortgage borrower's loan amount and term shall be maintained at the original borrower's remaining loan principal and loan rate when the original borrower closes the remortgage loan application, except for the loan. 3. Loan Procedure: Borrower Applicant and Real Estate Sales Contract"; Borrower applicant submits relevant application materials according to the form; Our bank signs a loan contract with the borrower and handles insurance, mortgage registration and other procedures; Our bank issues loans, borrows money The person repays the principal and interest according to the provisions of the loan contract. 4. Documents that need to be submitted to prove your identity (including ID card, household register, marriage certificate, loan application form, first contract, insurance policy, loan contract, house ownership certificate, other house ownership certificates, etc. For details, please consult the local branch, I The bank staff will help you understand the specific requirements for retail loan business. The interpretation of this information belongs to China CITIC Bank. If the local branch has special regulations for the content listed in this information, the local branch regulations shall prevail.

3. How to apply for a CITIC Bank mortgage loan? What are the precautions?

Do you want a mortgage loan?

If so: What materials are needed for a second-hand house mortgage?

Buyer:

1. Original ID cards, household registers, and marriage certificates of both parties

2. Original sales contract signed by the buyer and seller (2 copies)

3. Proof of income of both spouses (including a copy of the business license with official seal and annual inspection)

4. The borrower provides proof of academic qualifications (college or above)

5. If you are divorced, you need to provide a divorce certificate

6. If you are widowed, you need to provide a widowhood certificate

7. Residents from other provinces and cities need to provide the original temporary residence permit when buying a house

8. Proof of down payment

Seller:

Copies of the couple’s ID cards, household registers, marriage certificates, and real estate certificates (including the original house purchase agreement); if divorced, a divorce certificate is required certificate and property judgment; if you are widowed, you need to provide a certificate of widowhood and a notarized inheritance certificate;

Note: The original documents of the above information must be provided when the bank interviews and signs the contract

The above things are required. !~

The above are the things required for the bank interview. Interview application (evaluation), loan approval and transfer

4. CITIC Bank loan processing procedures and precautions

< p>Process 1. The borrower applies to the bank branch. When applying, he must bring his ID card, proof of address, proof of stable income and other relevant information. If he is a merchant, he also needs to bring his business license. 2. The bank receives the loan. After the borrower's application, the borrower will be reviewed. 3. After passing the bank's review and approval, the loan contract will be signed with the bank. 4. The lender will successfully obtain the loan. Notes: 1. If it is a mortgage loan, the loan amount. The total amount of interest during the loan period cannot exceed half of the assessed value of the mortgage. 2. Have a long-term stable source of income that is sufficient to pay the monthly loan principal and interest. 3. If it is a secured loan, a guarantor is required. 4. Borrower age limit: The loan period for men is not more than 65 years old, and the loan period for women is not more than 60 years old. 5. Customers who are blacklisted in the credit information system cannot apply for loans.