1. Where to get CITIC Bank’s loan settlement certificate

Individual users log in to the online lobby and enter the homepage, click Personal Information Inquiry, and when the secondary menu appears, click Print Certificate. Enter the business interface

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After clicking on the personal loan settlement certificate to print, the system will automatically check whether there is a settled loan record, as shown in the figure below:

button will jump to the loan settlement certificate pdf page. Users can choose to download or print the following picture as needed

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Scan the machine in the upper right corner with your mobile phone to check the relevant information of the voucher. If it is as shown in the picture below:

In the future, the provident fund loan settlement certificate does not need to be processed at the provident fund loan bank or the counter of our center. It only needs to be processed online. Print.

2. When applying for a loan, the bank requires an income certificate. How is the number of working years on the income certificate calculated?

Individuals applying for mortgage loans from banks need to provide proof of income. Income certificate is a kind of proof of economic income that Chinese citizens need in daily production, life and business activities. Generally, when applying for visas, bank loans, credit cards, etc., you will be required to have proof of economic income issued by the party concerned.

General banks only approve half of the income certificate as the upper limit of the monthly payment amount, that is, the monthly payment amount accounts for 30%-50% of the income certificate, so the income certificate must be combined with your actual income and monthly payment amount When issuing a loan, it is generally necessary to calculate the monthly payment amount based on the loanable period and loan amount. Note: First: When issuing an income certificate, pay attention to the necessary format of the income certificate.

Second: The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid.

Third: The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal.

Fourth: But the most important thing is that the income certificate must be true and cannot falsely report income.

3. What is the use of credit certificates

Currently, credit asset business is the main asset business of commercial banks in my country. It is the main way for commercial banks to use funds and obtain profits, and it is also the main way for commercial banks to maintain An important factor in good relationships with customers. Next, please appreciate the use of credit certificates that I collected and compiled online.

What is the use of a credit certificate? A credit certificate is a commitment to the tenderer in the form of a "Credit Certificate" based on the request of the applicant (bidder) that when the applicant (bidder) wins the bid, During the implementation of the winning project, it is an off-balance sheet credit business that meets the normal and reasonable credit needs of the project within the commitment limit of the applicant (bidder) under the "Credit Certificate".

Applicable conditions and objects:

Enterprises, legal persons or other economic organizations that open basic accounts or general deposit accounts in banks; have good credit records and repay loan principal and interest on schedule; have the ability to repay the "Bank A reliable source of funds for loans under the Credit Certificate.

The main content of credit policy China's current credit policy generally includes four aspects: First, it is related to the expansion of the total amount of money and credit, and policy measures affect the currency multiplier and currency liquidity. For example, it stipulates the down payment ratio, securities ratio, etc. of automobile and housing consumer loans; second, it cooperates with national industrial policies and guides the flow of credit funds to regions and industries that need to be encouraged and supported by national policies through loan interest discounts and other means, so as to Support the economic development of these regions and industries; the third is restrictive credit policies. Through "window guidance" or by guiding commercial banks to adjust credit lines, credit risk ratings and risk premiums, they can limit the excessive allocation of credit funds to certain industries, industries and regions, embodying the principle of supporting the good and limiting the bad. The fourth is to formulate credit laws and regulations to guide, standardize and promote financial innovation and prevent credit risks.

Business elements of credit 1. Purpose of borrowing. The purpose of borrowing is one of the key points in credit business and is the focus of strict pre-loan review and post-loan inspection by lenders. The purpose of borrowing must first be legal and must comply with the relevant laws, regulations and policies of the state, locality, industry and department; secondly, it must be reasonable and be able to achieve tangible economic benefits, social benefits or meet the needs of the individual borrower's basic living conditions. . After obtaining the loan, the borrower must use the credit funds according to the agreed purpose, and expropriation and misappropriation will be subject to economic sanctions by the lender.

2. Source of repayment.

Borrowers must have reliable sources of repayment, which is also the focus of lenders’ strict pre-loan and post-loan inspections.

3. Borrowing currency. Including local currency and foreign currency, according to the provisions of the "General Rules of Loans", loans in foreign currencies may not be granted to natural persons without the approval of the People's Bank of China.

4. Loan amount. The borrowing amount must meet the lender's business rules, must be within the borrower's loan capacity, and must be consistent with the purpose of the loan.

5. Loan period. The loan term refers to the period during which the borrower occupies the lender's funds, and is generally calculated from the time the borrower issues the IOU. The length of the loan period is closely related to the purpose of the loan and the amount of the loan. The loan period can be extended appropriately with the consent of the lender, that is, the loan is extended.

6. Loan interest rate. The interest rate should be set according to the loan interest rate and the fluctuation range stipulated by the People's Bank of China, which is closely related to the loan term, loan risk and loan status. The longer the term, the higher the interest rate; the greater the risk, the higher the interest rate floating level; loan status refers to normal or overdue status, overdue loans will be charged penalty interest according to the "Loan General Rules" and the loan contract.

7. Guarantee method. Except for a few credit loans, borrowers must comply with the Contract Law of the People's Republic of China (hereinafter referred to as the "Contract Law") and the Guarantee Law of the People's Republic of China (hereinafter referred to as the "Guarantee Law"). The provisions provide reliable mortgage, pledge or guarantee guarantee to the lender.

8. Distribution method. The method of loan fund disbursement can be divided into one-time disbursement, multiple disbursement and recurring disbursement. One-time disbursement means that the loan amount is disbursed in full at once; multiple disbursements means that part of the loan amount is disbursed in batches as stipulated in the loan contract; recurring disbursement means that it is under the control of one loan limit. The borrower can apply for loans repeatedly after repayment, and circular disbursements are made Funds; according to the object of loan funds disbursement, it can be divided into disbursement to the borrower or to the borrower's creditors and partners. For example, in personal housing loans, it is only disbursed to the borrower's home purchase dealers, etc.

9. Repayment method. The repayment methods mainly include interest along with the principal, regular interest repayment upon maturity, and installments of principal and interest. Among them, installments of principal and interest are divided into equal repayment method, decreasing repayment method and equal proportion repayment method. Increasing repayment method and other forms.

10. Repayment means. Repayment methods include various methods such as cash, check, and entrusted deduction. Currently, installment repayment is mostly in the form of the borrower opening a current savings account with the lending bank and entrusting the lending bank to deduct funds from the account on a monthly basis.

11. Liability for breach of contract. If the borrower cannot repay the principal and interest of the loan as stipulated in the contract, the lender has the right to terminate the loan and recover the principal and interest of the loan in advance. If the borrower is unable to repay the debt, the lender has the right to dispose of the collateral or require the guarantor to perform its guarantee obligations. The cost of disposing of the mortgaged property needs to be borne by the borrower; any remaining amount after paying off the principal, interest, fines and other expenses of the lender shall belong to the mortgagor and the pledger; the remaining price of the disposed of the mortgaged property is insufficient. To repay the lender's debt, in accordance with the provisions of laws and regulations such as the "General Principles of the People's Republic of China and the Civil Law" (hereinafter referred to as the "General Principles of the Civil Law"), the corporate borrower (and the guarantor) shall bear limited liability with all of its property, and the individual borrower shall bear limited liability. The person (and guarantor) shall bear unlimited liability.

4. What is the use of loan certificate?

(Cloud Loan Undai) credit certificate is based on the request of the applicant (bidder), in the form of a "Credit Certificate". Commit to the tenderer that after the applicant (bidder) wins the bid, during the implementation of the winning project, the applicant (bidder) will meet the normal and reasonable credit needs of the project within the commitment limit under the "Credit Certificate" An off-balance sheet credit business.