1. Can I apply for a loan immediately after I have just applied for a credit card?
Some banks have credit card personal loan functions. For example, Minsheng’s credit card can be used for car installments, and Huaxia Credit Card can be used for car installments. Personal loans from Guangfa are also available. It depends on whether the bank has this business, but the prerequisite is that it must be used for more than three months and the credit record must be good!
2. How long does it take to apply for a loan after applying for a credit card?
There is no conflict between applying for a credit card and applying for a loan. As long as your credit record is good and the conditions are met, you can apply for a loan at any time. 1. Loan conditions: 1. Chinese citizens with full capacity for civil conduct and overseas and foreign citizens with the right of residence in mainland China; Personal loans 2. Pay the first installment of the house purchase payment (not less than 30% of the total purchase price); 3 . Have stable economic income and the ability to repay the principal and interest of the loan; 4. Agree to use the purchased property as collateral for the loan. 1. You must have collateral to get a loan, and the sum of the loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of the collateral; 2. Have a long-term and stable source of income that is sufficient to pay the monthly loan principal and interest; 3. Guarantor; 4 . Information provided: ID card, household registration book, marriage status certificate, income certificate, real estate certificate, and the guarantor’s ID card, household registration book, marriage status certificate and other relevant information that the bank needs to provide. You also need to pay lawyer witness fees, mortgage registration fees, mortgage property insurance premiums, property appraisal fees, etc. 2. Documents that need to be issued and provided: 1. Original and copy of resident ID card; 2. Original and copy of house subscription letter; 3. Original and copy of first installment payment; 4. Proof of monthly payment ability, including : Proof of personal and family income, certificate of deposit (passbook or other securities), etc.
3. When I took out a loan from China Construction Bank to buy a house, I filled out a credit card application form, but if I don’t get the credit card, will I be unable to get the loan?
The two aspects of the review mechanism have little to do with each other. Unless the credit card is due to your credit report, then it will be troublesome.