There are many personal loan products of CITIC Bank, and individuals can choose the one that suits them according to the loan demand, including credit, car loan, real estate mortgage, financial asset pledge and so on.
For your daily consumption, you can choose a letter-second loan with a maximum amount of 300,000. It is a pure online credit loan. As long as you have good personal credit and strong repayment ability, you can get the money in 2 minutes at the earliest.
However, the success of the next payment depends on the bank's credit evaluation results of the applicant.
What are the online loans of CITIC Bank?
First, credit and second loan. Trust second loan is a platform like CCB Express Loan, which is a product of CITIC Bank. Trust-second loan can provide borrowers with a loan of up to 300,000 yuan, with a loan term of 1 month, 3 months, 6 months or 12 months. Borrowers do not need to provide mortgages and guarantees, and the interest is lower than other online loans.
Second, BOC e-loan. BOC E-loan is an online loan product launched by Bank of China, with a maximum loan amount of 300,000 yuan and a loan validity period of 12 months. During the validity period of the loan, the borrower can recycle the credit line. Bank of China e-loan supports one-time repayment of principal and interest at maturity and monthly repayment of principal and interest at maturity.
Third, Puyin point loan. Puyin point loan is a loan platform of Shanghai Pudong Development Bank. Borrowers can apply online through the Internet, and the whole process can be completed in 3-5 minutes. The maximum loan amount of Puyin integral loan can reach 300,000 yuan, and the longest loan period can reach 5 years, with only interest and no handling fee, which is quite good.
What are the loan businesses of CITIC Bank? The number is really amazing!
In China, large commercial banks are divided into state-owned banks and joint-stock banks. CITIC Bank is a well-known joint-stock bank. Many friends don't know much about the loan business of CITIC Bank. Today, I will introduce the loan business of CITIC Bank to you.
The loan business of CITIC Bank has covered all aspects of everyone's life. I'd like to introduce you to the summary of various businesses.
Personal real estate mortgage loan
Personal real estate mortgage loans include housing mortgage loans, housing mortgage comprehensive credit, ranking loans, net worth loans and foreclosure loans. Generally speaking, people need to use their houses as collateral to apply for loans from China CITIC Bank. This kind of loan often has the characteristics of long loan term and large amount.
Automobile consumption loan
Automobile consumption loans include new car loans and used car loans. The minimum down payment ratio of new car loans is 20%, and the longest period is 5 years. The minimum down payment ratio of used car loans is 50%, and the longest term is 3 years.
Monetary assets
Financial assets are loans granted to China CITIC Bank with financial assets as collateral. Financial assets are generally certificates of deposit, national debt and wealth management products. This kind of loan is characterized by asset appreciation and liquidity.
Unsecured/credit loan
Credit loan can provide you with a loan of up to RMB 6,543,800+RMB 5,000 with a term of up to 3 years. The people who can apply for this kind of CITIC Bank loan are: high-quality high-end customers and our payroll customers.
In addition to the above-mentioned loan products, CITIC Bank's loan business also includes online loans for POS merchants, online credit consumption loans, overseas study loans and innovative repayment methods. Generally speaking, the loan business of CITIC Bank has the characteristics of wide coverage and diverse bidding methods.
What are the corporate loans of CITIC Bank?
1, housing loan for small and micro enterprises: it is suitable for qualified properties under its name and can be used for mortgage loans. This product is characterized by high credit line, fast approval efficiency, long credit period, and it is very suitable for small and medium-sized enterprises in urgent need of funds.
2. Bill loan: small and micro enterprises pledge electronic commercial bills obtained from production and operation and approved by CITIC Bank to obtain financing support. The maximum amount is 654.38+million yuan, and the longest period is 65.438+00 years, which does not occupy the line of the accepting enterprise or the accepting bank.
3. Bank tax e-loan: With the help of big data risk control technology, CITIC Bank combines corporate tax information with corporate business, justice and credit information to provide online, pure credit and recyclable working capital loans for small and micro enterprises that pay taxes according to law, operate stably and have good credit records.
What are the credit loans of CITIC?
CITIC Credit Loan is a relatively easy loan to apply for and does not need mortgage guarantee. So, what are the credit loans of CITIC? CITIC credit loans include credit card loans and online credit. Next, I will give you a detailed introduction of CITIC Credit Loan.
1. Credit card loan
Credit card loan is a traditional CITIC credit loan. As long as the average monthly income is above 3,000 for 6 months and the bank pays the salary, you can apply. The maximum amount is 300,000 yuan, and there are three options for the term:12,24,36. This kind of credit loan does not charge interest management fee, and the handling fee rate is monthly.
2. Online credit
Online credit is an online CITIC credit loan. You can apply for these credit loans as long as you deposit the provident fund. The minimum loan amount can reach 70,000 yuan, and the deposit and use of the provident fund of each depositor shall be determined; Moreover, the loan can be released in 2 minutes at the earliest, and the application is very extensive.
CITIC credit loan is very practical, with high credit card loan amount and low rate; The threshold for online loan application is low and the loan is fast. Moreover, CITIC credit loans are widely used, such as car purchase, decoration, shopping and tourism.
What are the credit card loans of CITIC Bank? Three major products debut!
Now all major commercial banks have bought their own credit cards, and CITIC Bank is no exception. With the increasingly powerful functions of credit cards, we can now provide cash loans for everyone. So, what are the credit card loans of CITIC Bank? Introduce the relevant situation to everyone.
Credit card loans of CITIC Bank include credit card, loan and cash installment. Introduce the specific situation of these three products for everyone.
Xinjinbao is a loan product that can be applied for by credit, which is mainly designed for new users of CITIC Bank's credit card. This product adopts the form of installment repayment, with the longest loan period of 36 months, the shortest repayment period of 6 months and the lowest monthly handling fee of 1 day.
Lending treasure is a loan product that can be repaid by borrowing. It can be handled online through CITIC Bank credit card WeChat official account and dynamic card space APP, without mortgage and any materials. The application process takes about one minute. After the application is approved, the funds will arrive in 30 seconds at the earliest, which is very convenient.
Cash installment is also a cash loan product, which adopts the method of installment repayment and monthly billing. The longest staging time is 36 and the shortest staging time is 1. Under normal circumstances, the loan is 6,543,800 yuan, and the daily expenses are RMB. This product supports the use and repayment of mobile phones anytime and anywhere.
These are the three mainstream products of credit card loans of CITIC Bank. Generally speaking, such products have the characteristics of simple application process, fast payment and long loan period.
This concludes the introduction of CITIC's loan and CITIC's loan company. Did you find the information you needed?