; ? Many people want to apply for a salary loan from CITIC Bank because it doesn't need a mortgage, but only relies on a personal credit loan, and the loan interest is relatively low. However, wage loans are not without thresholds, and only qualified people can apply. Then, what are the conditions for applying for a salary loan from CITIC Bank?
Conditions for applying for salary loan of CITIC Bank:
1, aged 22-55;
2. The bank pays more than 5,000 yuan, and there is social security accumulation fund in the local area;
3. Working in the local area for more than half a year;
4, private enterprises, civil servants, institutions, monopoly industries, listed companies, central enterprises and other outstanding enterprise employees.
After meeting the application conditions, if you want to apply for a salary loan, you must also prepare the following materials.
Required information:
1, valid ID card;
2. Personal income work certificate;
3. Salary card+social security card+provident fund card (choose one);
4. others.
Interest on wages and loans of China CITIC Bank
The salary loan amount of CITIC Bank is 200,000-500,000 yuan, the loan term is 12-36 months, the loan time is 3 working days, the repayment method is equal principal and interest, and the monthly interest is 0.55%. If the loan is 654.38+10,000 yuan, it will be paid off in 12 months, then the total interest will be 6,000 yuan and the monthly payment will be 8,833 yuan.
In addition to understanding the application conditions of CITIC Bank's wage loan, you might as well know the repayment methods of wage loan, which mainly include the following three types.
This is the most common and widely used repayment method at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period;
The borrower needs to allocate the loan principal to each month and pay off the interest from the previous trading day to the repayment date;
Because there are great risks in this repayment method, most banks stipulate that this repayment method can only be used for short-term loans, that is to say, if the loan term is within one year, the approval of this repayment method will be stricter, and it is generally only used for small short-term loans;
The borrower decides to repay the loan at monthly, quarterly or annual intervals according to his actual situation.
What is the repayment method of wage loan of CITIC Bank?
Through the introduction, do you understand the application conditions of CITIC Bank's salary loan? If you meet the above conditions, you can apply according to the steps.
In a supermarket with a wide variety of goods, you can choose any one hundred kinds of goods, and users can click directly if they are interested.
What are the conditions for a salary card loan? Mainly these!
; ? At present, banks have many financial credit products, such as mortgage, guarantee and pledge. If the borrower has a stable job, he can try to apply for a salary card loan, which is suitable for young office workers. What do they need? Let's find out.
1. What is a salary card loan?
For office workers, there will be a fixed income every month, monthly or quarterly bonuses, performance and year-end awards. These are relatively fixed incomes, and the company will issue them to your salary card through the bank. With this operating record, you can apply for a loan from a bank financial institution.
Different banks have different requirements and will issue loans according to the borrower's personal information, salary, credit history and financial situation. The pure salary card loan mainly examines the borrower's salary, work unit and working years.
Second, what are the conditions for a salary card loan?
1. The welfare of work units is good and stable, such as national civil servants, institutions, large state-owned enterprises and leading enterprises in monopoly industries. These office workers are favored by lending institutions.
2. Pay wages on behalf of others. If the loan bank happens to be the bank of your salary card, the bank can directly export your running water and improve the loan success rate.
3. The income is twice that of liabilities, the income is stable, and he has worked in the current unit for at least 6~ 12 months.
4. Long-term residence in the local loan bank, valid residence certificate.
5. The materials required to apply for a salary card loan include: the borrower's ID card, the original and photocopy of the household registration book, the labor contract signed with the work unit, the income certificate issued by the unit, and the public utility fees (water, electricity, gas and telecommunications fees) paid by the borrower in the past three months.
Excuse me, what are the conditions for China Merchants Bank to issue wage loans?
The wage loan issued by China Merchants Bank refers to the loan with the borrower's personal wage income as the repayment guarantee. You don't need to provide a guarantee, but you can apply if you meet the following conditions:
1. Require that the borrower's personal credit is good, the credit rating is above Grade II, and there is no bad record on the personal credit report;
2. The borrower's work unit pays wages through China Merchants Bank, and the borrower has a record of paying wages for more than 6 consecutive months. It also requires borrowers to pay more than 50 thousand yuan in wages every generation.
For more information about China Merchants Bank's wage loan conditions, please visit: See More.