What are CITIC Credit Loans?
CITIC Credit Loans do not require mortgage guarantees and are relatively easy to apply for. So, what are CITIC Credit loans? CITIC Credit Loans include credit card loans and online credit. Below, we will introduce you to CITIC Credit Loan in detail.
1. Credit card loan
Credit card loan is a traditional CITIC credit loan. You can apply for it as long as you have an average monthly income of more than 3,000 for 6 months and the bank pays your salary on behalf of you. The maximum amount is 300,000, and there are three options for terms: 12, 24 and 36 periods. There is no interest management fee for this credit loan, and the handling fee is monthly.
2. Online Credit
Online Credit is an online CITIC credit loan. You can apply for these credit loans as long as you have paid the provident fund. The loan amount can be at least RMB 70,000, and the provident fund payment and usage status of each depositor are determined; and the loan can be disbursed in as fast as 2 minutes, making it very versatile.
CITIC Credit Loans are very practical, with high credit card loan limits and low rates; while online credit applications have low thresholds and fast disbursements. Moreover, CITIC Credit Loans can be used for a wide range of purposes, including car purchase, decoration, shopping, travel, etc.
What is the application process for a CITIC Bank loan?
1. Customers who meet the application conditions submit loan applications through CITIC Bank online banking or CITIC Bank partner platforms.
2. China CITIC Bank reviews customer loan applications online.
3. The customer signs a credit and loan contract online with CITIC Bank.
4. The bank will appropriate the funds to the appropriation account stipulated in the contract.
How to operate CITIC Bank Xinmiadai mobile phone? Please keep this loan guide
Xinmiaodai is an online consumer loan of China CITIC Bank. Customers of CITIC Bank’s payroll agency and mortgage loan customers can apply for it on their mobile phones if they meet the conditions. Many people want to know how to operate Xinmiadai mobile phone. Here we will introduce the application, contract signing, withdrawal, repayment and other processes of Xinmiadai mobile phone.
1. Xinmiaodai mobile application process:
First, the lender needs to download the CITIC Bank APP on the mobile phone, register for the CITIC Pass, and log in;
Then, click "Evaluate Now" in the loan column on the homepage of the mobile banking;
Then, complete the identity verification according to the page prompts, add personal information, and obtain the Credit Line credit limit. After the limit is exceeded, you need to complete the identity verification within 24 days You can withdraw money only by signing the contract with UK certification within 1 hour.
It should be noted that if the borrower is a personal tax payer, he or she needs to authorize CITIC Bank to query personal tax information on the WeChat official account of the local tax center; if the borrower is a provident fund depositor, he or she must bring his or her ID card to CITIC Bank in advance. Bank branches collect personal information.
2. Xinmiadai mobile phone withdrawal process:
Xinmiadai quota is only 24 hours, and the lender can enter the mobile banking-Xinmiadai page to initiate a cash withdrawal application within the validity period. After withdrawal, the money will be directly transferred to the submitted payment account, and the money can be received in real time as soon as possible.
3. Xinmiaodai mobile phone repayment process:
1. Log in to mobile banking, click on the homepage - all services - loans - my loans - loans issued, click on the loan agreement No. and select "Repayment";
2. Enter the repayment information filling page, enter the amount, and use UK to complete the verification operation to complete the repayment.
Note: On the repayment date of the principal or interest of Xinmiao Loan, the system will deduct the repayment twice in the morning and evening. The cardholder needs to deduct the money from the bank for repayment and deposit the money on the repayment day. For loans with insufficient balance in the account for the first time, a repayment reminder text message will be sent after 8:00 on the same day.
How many bank cards does CITIC Xinmai Dai support?
Answer: CITIC Xinmai Dai supports four bank cards.
1. Overdue requirements: overdue must not accumulate 4 consecutive 2s within 2 years (credit cards and loans are combined); overdue must not accumulate 12 consecutive 3s (credit cards and loans combined) within 2-5 years;
2 .Liability requirements: The current outstanding credit loan (including portfolio, credit, guarantee, etc.) is issued by no more than 4 institutions and the current balance does not exceed 1 million yuan;
About CITIC Online Loan and CITIC This ends the introduction to whether online loans are real. I wonder if you found the information you need?