Bank of Jilin will generally give different quotas according to the comprehensive credit status of users. Usually, the amount of credit card additional mortgage is between 500,000 and 500,000 yuan.

Is it easy for mortgage banks to handle credit cards? Is the quota high?

; ? Nowadays, many people borrow money to buy a house, and then the capital turnover is not enough, so they want to get a credit card at the loan bank. Many people think that mortgage is also a kind of financial proof, and it should be easier to apply for a credit card because it has business dealings with the lending bank. So, is that right? Let's get to know each other together.

1. Is it easy for mortgage banks to handle credit cards?

Compared with other banks, it will be easier to handle. As mentioned above, one is related to banking business, and the other two properties are considered as financial certificates. However, whether this can be passed depends on the applicant's credit conditions and the selected card level.

After all, credit card approval and mortgage approval belong to two departments respectively, and many people handle mortgages from four major state-owned banks, so the threshold for credit card application is relatively high. It is suggested here that it is best to apply for a card after paying off the six mortgage loans and keep the debt low. Start with ordinary cards or gold cards, and the success rate will be higher.

Second, is the credit card limit of the mortgage bank high?

Running a credit card at a mortgage bank is just a relatively high pass rate, which does not mean that the quota will be high.

In particular, mortgage loans are available in the four major state-owned banks, so it is good that credit cards can be approved. If you want to get a high amount, unless you have a large deposit certificate in the bank or buy wealth management products, these banks value the applicant's asset strength most, not to mention mortgage loans, which will also reduce the applicant's repayment ability.

According to many card friends, they only gave 10000 yuan to apply for credit card approval in CCB, but they had to pay at least 20,000 yuan in other commercial banks.

What is the credit card limit attached to the mortgage? Let's take a look at the credit card limit attached to the mortgage of major banks!

; ? Credit cards and personal housing loans are the main credit businesses of banks. Friends who have handled mortgages may know that after handling mortgages, banks will introduce credit card business to lenders by the way. A friend asked, what is the credit card limit attached to the mortgage? Let's take a look at the credit card limit attached to the mortgage of major banks!

What is the credit card limit attached to the mortgage?

After the lender handles the mortgage in the bank, the bank will default that the lender belongs to a better customer. In the case that the lender has a house mortgage, the bank feels that the risk of the lender is relatively small. In order to complete the card issuing task, the bank will give the lender a credit card to handle the business when lending the mortgage.

For example, in China Merchants Bank, after the lender has applied for a mortgage in China Merchants Bank, the general bank will give the lender a gold card business with a fixed amount of 6.5438+10,000-500,000 yuan. If the monthly income of the lender is not so high, China Merchants Bank will also handle credit cards that are not gold cards or ordinary cards, generally around 30,000-50,000.

The credit card attached to CCB's mortgage is generally between 1 1,000-50,000 yuan. If the lender has good qualifications, excellent assets, excellent academic qualifications and excellent salary, it can also apply for a platinum card with a quota of more than 50,000 yuan.

But in most cases, after the lender has finished the mortgage, the bank sends a universal card or a gold card. Platinum card, a high-level and large-amount credit card, still needs the lender to have certain economic strength and credit accumulation before it can actively apply. Of course, if the lender has a good habit of using the card and has a good record of subsequent card use, the amount of credit card attached to the mortgage will rise faster.

The above is the related content sharing of "credit card additional mortgage", I hope it will help everyone!