1) Apply first, provided that a deposit account has been opened with China CITIC Bank;
2) Application materials to be prepared
1. Customers should carry valid certificates.
(1) valid identity documents (ID card, household registration book, military ID card, passport) and their copies;
B, customers should fill in the application materials.
(1) Obtain and approve the Articles of Association of Online Personal Banking of CITIC Industrial Bank;
② Fill in the Application Form for Online Personal Banking of CITIC Industrial Bank (Enhanced Edition).
3) countersign
Bring valid certificates to the outlets of China CITIC Bank for signing the contract. After signing the contract, the bank provides the following materials to the customer:
Application Form for Online Personal Banking of CITIC Industrial Bank (enhanced version) (second copy);
B. the authorization code provided by email.
4) Download the certificate
A. Function Description: Users can download certificates before personal (enhanced) operation.
Application method of China CITIC Bank's automobile consumption loan
First, the automobile consumption loan conditions
The loan applicant is a natural person who has reached the age of 18 and has full capacity for civil conduct, and meets the following conditions:
1, with local permanent residence;
2. Have a stable occupation and income;
3. Good credit and the ability to repay the principal and interest on schedule;
4. A car purchase contract has been signed;
5. The down payment has been paid to the dealer or deposited in the bank;
6. Provide bank-approved guarantee;
7. Other conditions stipulated by the bank.
Second, the amount, duration and interest rate of automobile consumption loans
1. The loan amount shall not exceed 50% of the net car value, and the mortgage of the house shall not exceed 60% of the appraised house price.
2. The loan period shall not exceed 3 years.
3. The loan interest rate shall be subject to the term interest rate and adjustment method stipulated by the People's Bank of China.