Banks will consider the nature of the landlord's work (private, state-owned, whether it belongs to high-risk industries, such as KTV), income, social security, provident fund, individual tax, credit (whether it is overdue, whether it holds multiple bank credit cards at the same time, debt ratio, etc. ), assets (real estate, automobile production, time deposit certificate of China Construction Bank, etc. ), education, etc., so before the examination and approval results come out,
China Construction Bank can apply for any one of the access conditions for ordinary credit cards:
Open a deposit or investment account in CCB for 6 months or more, and deposit/invest 50,000 yuan or more every month in the last 3 months, among which customers with 6,543,800 yuan or more can approve gold cards.
Applicants who have paid no less than 1 in the last three months in 200 yuan and no less than 800 yuan in any month can apply; Customers with an average monthly salary of more than 4,000 yuan can apply for a gold card. ? If the amount of wages paid by the applicant in our bank is lower than the prescribed standard, the issuing bank shall also require the applicant to provide proof of income or proof of wages paid in other banks to confirm that the applicant meets the income conditions required for issuing cards. (I might add that such units are either wage-paying units of CCB, but if they are not wage-paying units of CCB, it is better to be state-owned enterprises and civil servants. If CCB is run by a private enterprise company, these are not recognized. )
The house purchased by the applicant is a local commercial house, the purchase time is within 15 years (inclusive), and the purchase area is more than 80 square meters, except for affordable housing, poverty alleviation housing or demolition housing customers. Among them, applicants whose purchase area is more than 120 square meters can apply for a gold card.
Vehicle displacement 1.0, upgrade to more than 8 seats (inclusive), and the vehicle age shall not exceed 8 years. Except for operating vehicles, long-distance buses, agricultural vehicles, taxis, vans, minivans, special operation vehicles, etc.
If you have a loan business in CCB, you can also apply, provided that the purchase price is above 6,543,800 yuan, or the monthly repayment amount is above 500 yuan, and there is no bad credit record.