CITIC Bank’s credit loans are reliable. As long as you meet the age requirements, are a resident of mainland China, have a stable income, good repayment ability, and a good personal credit report, you can handle the relevant business.
Credit loans refer to the basis for issuing loans based on the creditworthiness of the borrower. No guarantee is required. You only need to rely on your own reputation to apply for a loan, and use the borrower's creditworthiness as a guarantee for repayment. . Specific loan process: 1. Apply for a loan. Customers should learn about the bank's credit products in advance and see if any are suitable for them. After understanding clearly, they can call the bank's customer service for consultation or on-site consultation. Go to the bank to fill out a loan application form, and bring along relevant documents such as ID card, household register, residence permit, work permit, marriage certificate, etc. 2. Pre-loan investigation. The bank is qualified to conduct a preliminary review of the personal information of the loan applicant. If the applicant meets the conditions, he or she will proceed to the next step of the loan process. 3. Loan approval. The approver determines whether the loan will be approved based on the loan applicant's repayment ability, personal credit record, guaranteed mortgage, etc. 4. Mortgage registration. If a loan applicant chooses a mortgage loan, he or she needs to go through relevant registration procedures after being approved. 5. Grant loans. Loans can be issued to those who meet the bank loan conditions and have completed all procedures legally.
Several common situations in which banks deny mortgage loans:
1. Poor credit record leads to failure in loan approval: Nowadays, most people have multiple credit cards at the same time, and there are many "card owners" Everyone has a history of late repayments. After enjoying the convenience of credit cards, they don’t care about the problem of credit history. In recent years, there have been many cases where banks have refused to lend due to overdue credit cards. If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention to credit problems, repay your loans in a timely manner, and do not become a credit blacklist.
2. Small loans: With the development of the Internet and big data, many people around you have begun to borrow money online. Some are turning around funds for business, and some are using loans to support loans. Although these people have good credit scores, when you apply for a home mortgage loan at a bank, the bank will require you to pay off the small loan in advance. Therefore, before buying a house, you should promptly and accurately evaluate your debt ratio, unless your income can fully support microfinance and housing loans. But according to experience, when actually applying for a loan, 95% of banks will require you to repay the small loan. After your mortgage is approved, you can apply for a small loan. Therefore, you must ask relevant questions before buying a house, because there are many cases where small loans cannot be paid and the house is checked out. (The above refers to loans on credit).
3. Consumer loans: refers to some small loans, such as computer installments, mobile phone installments, etc. No matter the amount, they must be paid off before they can apply for a mortgage, especially for single customers.
4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a home loan. If you already have a car loan, it will be difficult to apply for a home loan.
5. Whether there is low-rent affordable housing or special welfare housing for a certain period of time (regional policy): Before purchasing a house, you should determine whether there is low-rent affordable housing in the name of family members. Before buying a house, ask your family if there is such a house. If this is the case, you'd better go to the housing authority in advance to inquire whether you need to cancel or whether it can be transferred. Then decide whether to buy a house. Don’t be in a dilemma after paying money but not being able to check out.