Is CITIC Bank's new Jinbao loan approved well? What information do you need to prepare?

As a cash advance service, Xinjinbao of CITIC Bank is the choice of many people when they borrow money, mainly because the amount of Xinjinbao loan of CITIC Bank is quite high, with a maximum loan amount of 300,000. So, is CITIC Bank's new Jinbao loan approved? What information should I prepare to apply for Xinbaobao of CITIC Bank? I will answer your question today.

Is CITIC Bank's new Jinbao loan approved well?

CITIC Bank's new Jinbao does not need guarantee or mortgage. Generally speaking, as long as you have no major problems in credit reporting and meet the application conditions, you can successfully apply. Office workers with a stable income like ordinary jobs can apply.

What information should I prepare to apply for Xinbaobao of CITIC Bank?

1. The first thing you need is a personal identity document, and you need a copy of the applicant's second-generation ID card.

2. Applicants need to provide proof of work. You can apply for a work certificate with official seal, financial seal and personnel seal in the company, and then bring this original with you. Of course, your original business card and a copy of your badge are also feasible.

You need to provide proof of your income, for example, the monthly salary account issued by your bank in the last six months.

4. As the new Jinbao is only handled by residents in China, you need to provide your residence certificate, which can be proved by general public utilities and other documents.

Of course, if you want to get a high quota, you can prepare more financial certificates of your related assets, such as real estate license, car driving license, bank deposit certificate and so on.

The above is about "Is it easy to approve the new Jinbao loan of CITIC Bank? What information do you need to prepare? " The answer. Generally speaking, as long as you meet the application conditions and the application materials are fully prepared, it is no problem to find a way to successfully approve.

Which bank should office workers borrow money from? Credit loan featured letter letter treasure!

Office workers' loans are characterized by a stable wage income, but there are usually no other sources of income, so what is suggested here is to choose credit loan products with bank loans. Which bank should office workers borrow money from? I have sorted out three most popular bank credit loan products for you, which are very suitable for office workers' loans.

Agricultural Bank of China issues wage loans.

Loan amount: 2-2 million yuan.

Loan term: 3-36 months.

Loan conditions: at least 18 years old but not more than 60 years old, with stable income and repayment ability, and the borrower's credit record is good.

Loan Interest Rate: Monthly Interest Rate Product Description: Agricultural Bank of China Wage Loan is a RMB loan issued by Agricultural Bank of China to individual high-quality customers with good credit, with personal stable wage income as repayment guarantee to meet consumer demand. For office workers, it is suitable for state-owned enterprises, civil servants, teachers and private enterprise executives to apply for the exam, and it is more difficult for ordinary office workers to apply for the exam.

China CITIC Bank Xinjinbao

Loan amount:1-300,000.

Loan term: 1-3 years

Loan conditions: at least 23 years old and not more than 60 years old, and the monthly income requirements in different regions are different. At present, the wage payment method of the unit is bank transfer (bank payment).

Loan interest rate: monthly interest rate Product introduction: Xinjinbao is a convenient, efficient and low-cost personal unsecured and unsecured cash advance service for wage earners with stable work and income based on the credit card platform of CITIC Bank. This product is suitable for ordinary office workers. After the application is submitted, credit cards and loans will be issued within three working days.

Ping an bank xinyidai

Loan amount: 300,000-500,000 yuan

Loan term: 1-4 years

Loan conditions: at least 25 years old and not more than 60 years old, with stable work income and good credit record.

Loan Interest Rate: Monthly Interest Rate Product Description: The New One Loan is an unsecured RMB loan issued by Ping An Bank to people with stable and continuous wage income, which is used for personal consumption based on their monthly wage income. This product has a relatively low loan threshold and is also suitable for ordinary office workers to apply. At the same time, the card products have different loan interest rate pricing for different occupations. The monthly interest rate of excellent occupations is the standard monthly interest rate of paid employees, and the monthly interest rate of self-employed individuals can be said to be the most comprehensive product of loans.

Considering four factors, such as loan amount, loan interest rate, loan conditions and loan term, CITIC Bank's new Jinbao is finally slightly better. The salary loan of Agricultural Bank of China has higher professional requirements for the lender, while the new loan of Ping An Bank has higher monthly interest rate. Therefore, as a compromise choice, CITIC Bank's new Jinbao is not only suitable for ordinary office workers to apply, but also the loan interest rate is more suitable.

What is the business of CITIC New Baby? Where does CITIC Xin Baby apply?

1. What is the business of CITIC New Jinbao?

CITIC New Jinbao is a loan service provided by CITIC Bank, which is relatively powerful in auditing and payment, and the interest will not be too high. The maximum loan amount can reach 300,000 yuan. As long as the user is between 23 and 60 years old and the income is above 3,000 yuan, the location is an open city of CITIC Jinbao.

2. Where does CITIC Xinjinbao apply?

Regarding the application of CITIC New Jinbao, the specific operation is as follows:

1. Log on to the website of China CITIC Bank;

2. Fill in the application form of CITIC Credit Insurance online;

3. Submit application materials to CITIC Bank outlets after passing the preliminary examination;

4. The staff of CITIC Bank come to the door to handle it.

Is it easy to apply for CITIC New Jinbao loan?

Whether it is good to apply for CITIC's new Jinbao loan mainly depends on this person's qualifications. If you meet the requirements of the new Jinbao and have good credit, just apply. If you don't meet the requirements and your qualifications are not good, you will be rejected.

Generally, you need to have a stable and legal job, earn more than 4,000 yuan, and have a stable address to apply for a new Jinbao.

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As long as it meets the application conditions of CITIC Bank's new Jinbao, the application will be fine. If you don't meet the requirements, it is not easy to apply, which varies from person to person.

The maximum loan amount of CITIC Bank Xinjinbao is 300,000 yuan. If you are a paying customer of CITIC Bank, it will be easier to get loans.

What is the letter from China CITIC Bank?

"Xinjinbao" is a convenient, efficient and low-cost personal unsecured and unsecured cash advance service provided by CITIC Bank Credit Card for customers with stable work and income. The maximum loan amount of the loan product is 300,000 yuan, and the longest standby period is 3 years.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005, with its headquarters in Beijing. CITIC Bank is one of the earliest emerging commercial banks established in China during the period of reform and opening-up. It is also the first commercial bank in China to participate in domestic and foreign financial market financing, and it is well-known at home and abroad for creating many firsts in China's modern financial history. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange.

CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong. 20 13 citic bank was awarded the top 500 Chinese brands in 20 13 jointly by China brand value research institute, the central state regulatory commission and focus China. In 20 14, citic bank and AliPay launched 1 10,000 online credit cards. On 2015165438+10/8, CITIC Group and Baidu announced their strategic cooperation, and CITIC Bank and Baidu initiated the establishment of direct banking.

On March 26th, 20 18, CITIC Bank held a performance conference. In 2007, it achieved an operating income of 201567.08 billion yuan, an increase of1.86% over the previous year. The net profit attributable to shareholders of the Bank was 42.566 billion yuan, an increase of 2.25% over 20 16.

The accompanying loan VS the new Jinbao, which of the two credit card loan products is stronger?

Credit cards can not only overdraw consumption, but also apply for loans. Oh, this is what we often call the cash installment business. Many banks have launched similar businesses, but with different names and different rates. So, which bank's credit card loan products are better? Here are two products, one is Xingye's "accompanying loan" and the other is CITIC's "Xin Jinbao". As for which one to choose, it depends on how you judge.

First, Xingye's "interest-bearing loan"

Product introduction

The cash installment business of "accompanying loan" is an installment payment service provided by Industrial Bank for eligible credit card holders. The cardholder can withdraw cash within the cash advance limit of the credit card and repay it in installments. The cardholder must pay a certain installment fee.

Application conditions

Customers with Industrial Credit Card can apply for.

Apply for quota

The cash amount that the cardholder can apply for withdrawal is within the cash amount that can be advanced by his credit card. The minimum amount that a cardholder can apply for each time is RMB 2,000, and the maximum amount is RMB 50,000, which is an integer multiple of RMB 1000.

Installment rate

The accompanying loan has six repayment periods: 3rd, 6th, 12, 18, 24th and 36th. Except for the third installment rate, all other installment rates are 0.8%.

Repayment instructions

Repay the principal monthly, and pay the corresponding handling fee in equal amount, and pay the remaining handling fee in advance in one lump sum.

For example:

Suppose a customer borrows 65,438+0,000 yuan and repays it in 24 installments. The monthly principal is 465,438+00000 yuan (65,438+00000/24), the monthly handling fee is 65,438+000000.80% = 80, and the monthly repayment amount is 496.

Second, CITIC New Jinbao.

Product introduction

"Xinjinbao" is a cash installment product within the credit card limit provided by CITIC Bank for individuals with stable jobs and incomes. Relying on the credit card platform of CITIC Bank, we will provide convenient, efficient and low-cost cash support for customers with stable jobs and incomes.

Application conditions

Wage earners with a monthly punch card salary of at least 3,000 yuan or more need 5,000 yuan or more in the first-tier cities of Guangzhou, Shenzhen and Guangzhou, and 4,000 yuan or more in the second-and third-tier cities such as Nanjing, Xiamen, Suzhou, Tianjin and Yangzhou.

Apply for quota

China CITIC Bank will give a cash limit according to the customer's personal credit status and the average monthly income after comprehensive evaluation, and can apply for a maximum of 300,000 yuan.

Installment rate

Xinjinbao has three repayment periods: 1 year (12), 2 years (24) and 3 years (36), and the monthly handling fee rate is 0.85%.

Repayment instruction: repay the principal monthly and pay the corresponding handling fee in equal amount.

For example:

Assuming that the customer borrows 65,438+00000 yuan and repays it in 24 installments, the monthly principal is 465,438+00000 yuan (65,438+00000/24), the monthly handling fee is 65,438+000000.85% = 85, and the monthly repayment amount is 5.

Third, my opinion.

Judging from the application conditions, the application threshold for accompanying loans is lower than that of Xinjinbao, and you can apply as long as you have a credit card.

Judging from the application amount, the maximum accompanying loan can reach 500,000, slightly higher than the new Jinbao;

Judging from the installment interest rate, the accompanying loan is slightly better. Not only is there more room to choose the number of periods, but the handling fee is also lower. Similarly, the application for 1 0,000 yuan is divided into 24 installments, each installment is less than 5 yuan and two years 1, 20 yuan.

If it were me, I would choose the accompanying loan. I think many card friends will be like me.