What loans does Citibank have?
According to the official website of Citibank China, Citibank’s first loan includes two types of loans, one is Xingfushi Loan and the other is Youzhi Home Loan. Each type of loan is aimed at different loan groups.
Happiness Loan is an unsecured and unsecured pure credit loan. The maximum loan amount can reach 500,000 yuan. The loan period ranges from 6 months to 48 months. The borrower can choose according to his or her own conditions. Choose according to the actual situation. The loan interest rate is between 1.40% and 1.65%. The loan can be issued as soon as 3 working days from the date the application materials are completed.
Uzhi Mortgage is currently only available in Shanghai, Beijing, Guangzhou, Shenzhen and Hangzhou. When you apply for a Uzhi Mortgage with Citi, Citibank will not charge bank loan handling fees. At the same time, it will also pay various related fees for customers, including house appraisal fees, lawyer fees, basic insurance fees and notarization fees for foreigners. The loan term can be up to 30 years.
Citibank loan requirements
Happiness Loan conditions:
1. Income requirements: monthly income after tax is more than 4,000 yuan, and monthly check-in salary is required Filing water;
2. Working experience: 3 consecutive months of working in the current unit;
3. Industry requirements: Current employees, applications from individual industrial and commercial households and private owners are not currently accepted.
Happiness Loan application materials:
1. Personal loan application form;
2. Chinese resident identity card;
3. Residence proof documents: bank statement, utility bill, real estate certificate or household registration book;
4. Income proof documents: personal tax payment certificate for the past one year or bank statements for salary distribution in the past three months.
Youzhi mortgage application information:
Local residents: ID card and household registration book
Hong Kong, Macao and Taiwan residents: ID card and pass or Taiwan compatriot card, and Relevant certification documents for working in the country for more than half a year
Other countries: passport, and relevant certification documents for working in the country for more than one year
In addition, family certification documents are also required. Proof of marital status, house certificate, house sales contract, down payment certificate, real estate certificate/real estate certificate, income certificate.