Since there are many application steps for bank loans, the loan disbursement time is determined by many factors. If any link is stranded or an unexpected situation occurs, the loan disbursement time will be delayed, and the bank cannot guarantee the specific time. loan time. First of all, the bank loan approval process takes about 3 to 5 working days. After approval, the loan contract can be signed. If you want to apply for a mortgage loan, you must also apply for mortgage registration, which takes a long time.
The benefits of Bank of Chongqing’s Aijia Wallet Credit Card are as follows: Bank of Chongqing’s Aijia Wallet Credit Card (credit version) is a credit card product launched for those who have housing under their name, with large installments and fixed limits. Product details: Anyone aged 18-60 who has real estate in their name (full payment or mortgage repayment for one year or more) can apply. The comprehensive credit limit is up to 300,000 yuan (including the credit card limit that the customer has received from Chongqing Bank), which is composed of a fixed limit and a large installment limit. When you apply for a new card, the annual fee and SMS fee will be waived for 5 years.
The Aijia Wallet Credit Card is a credit card product launched for customers with housing in their name, consisting of a large installment limit and a fixed limit. The card type is Platinum Card, and cardholders enjoy a series of Platinum Card value-added services.
1. Application Conditions
(1) The applicant must be a citizen with full capacity for civil conduct, working in a location where our bank’s business outlets are located, and having legal income. Applicants for the main card must be at least 18 years old (inclusive) and under 60 years old (inclusive); applicants for supplementary cards must be at least 16 years old (inclusive).
(2) The applicant owns a residence within the scope of our bank’s business outlets (both fully paid houses and mortgaged houses are acceptable).
2. Product Features: Apply once and recycle for 10 years. The maximum amount you can apply for is 1 million. It can be used in various consumption scenarios such as decoration, car purchase, travel, education, and shopping. 3. Annual fee policy Credit version: annual fee is waived during the validity period. Mortgage version: 480 yuan per year for the main card, and no annual fee for the supplementary card (only for consumption, installments cannot be applied for).
Annual fee reduction policy: The cumulative installment amount applied for within 12 months of issuance exceeds 20,000 yuan (inclusive) or directly recommend a new customer through the "Chongqing Bank+" applet to successfully apply for Aijia Wallet (mortgage) version), you can apply for annual fee reduction or exemption; starting from the following year, the cumulative installment amount applied for each year exceeds 20,000 yuan (inclusive)/the installment principal balance exceeds 20,000 yuan (inclusive)/recommended directly through the "Bank of Chongqing+" mini program1 Every new customer who successfully applies for Aijia Wallet (mortgage version) can apply for a reduction in the annual fee for that year, and so on.