What are the credit card loans of CITIC Bank? Three major products are unveiled!

Now, all major commercial banks have their own credit cards, and China CITIC Bank is no exception. As credit cards become more and more powerful, they can now provide everyone with cash loans. So, what are the credit card loans of CITIC Bank? Let me introduce the relevant situation to you.

CITIC Bank’s credit card loans include Xinjinbao, casual loans and cash installments. Let me introduce the specific situation of these three products to you respectively.

Xinjinbao is a loan product that you can apply for if you have credit. It is mainly designed for new users of CITIC Bank credit cards. This product adopts the form of installment repayment. The longest loan period is 36 months and the shortest repayment period is 6 months. The monthly handling fee is as low as the approval can be completed within 1 day at the fastest.

Suiborijin is a loan product that can be borrowed and repaid at any time. It does not require mortgage or any materials. It can be processed online through the CITIC Bank Credit Card WeChat official account and Dongka Space APP. The application process takes about one minute. After the application is approved, the funds will be available in the fastest 30 seconds, which is very convenient.

Cash installment is also a cash loan product, which adopts the method of installment repayment and monthly billing. The longest installment period is 36 periods and the shortest is 1 period. Generally speaking, for a loan of 10,000 yuan, the daily fee is yuan. This product supports mobile phone use and repayment anytime and anywhere.

The above are the three mainstream products of CITIC Bank’s credit card loans. Generally speaking, these products have the characteristics of simple application process, fast disbursement and long loan period.

Can I apply for a loan with a CITIC Bank credit card?

CITIC Bank can lend. However, the following conditions need to be met:

1. Provide loan information required by the bank. Borrowers need to provide supporting documents such as ID card, proof of residence, proof of employment, proof of income and proof of loan purpose.

2. Submit a formal loan application to China CITIC Bank. Borrowers go to bank branches to apply and submit information. If conditions permit, they can also fill out a loan application online.

3. The bank’s repayment ability to the borrower. After filling out the loan application, the bank will generally review the relevant circumstances of the borrower and guarantor. If the loan conditions are met, the bank will notify the borrower to go to the bank again to fill in various loan forms.

4. Go through the mortgage guarantee procedures. Including guarantee contracts, mortgage contracts, etc., and handling mortgage registration related procedures.

5. The bank lends money in accordance with the loan contract.

Extended information:

CITIC Bank’s loan types

1. Personal real estate mortgage loans

Provide professional services for household consumption and business financing Services, providing users with five major product services: house mortgage loans, real estate mortgage comprehensive credit, sequential loans, net worth loans, and property redemption loans.

2. New car consumer loans

Customers purchasing new cars can apply directly at the dealer for convenient and efficient approval

3. Used car consumer loans

Customers who purchase second-hand cars can apply directly for approval. Efficient and ultra-low down payment: the minimum is only 50% of the car price. Extra-long term: up to 3 years. Rich choices: many cooperative brands and flexible loan methods

4. Financial assets

Customers who hold financial assets such as certificates of deposit, treasury bonds, and wealth management. One-time credit limit is used repeatedly. Full coverage of financial assets. Asset appreciation while supporting liquidity