There are also comprehensive consumer loans. This may be acceptable, as shown below. Personal comprehensive consumption loan ☆ Service introduction Personal comprehensive consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for designated consumption purposes. ☆ Service features: wide personal comprehensive channels, high loan amount and long loan period, which is an ideal choice for individuals to realize "advance their future wealth and enjoy a leading life". ☆ Application conditions 1, China citizen with permanent residence or valid residence certificate, under the age of 65 (inclusive) and full capacity for civil conduct; 2. Have positive income and the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Can provide bank approval; 5. Personal settlement accounts with clear loan purposes and in line with relevant regulations; 7. Other conditions stipulated by the bank. ☆ Loan amount The loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. ☆ If the loan term is for medical treatment or study abroad, it will not be extended. ☆ If the loan interest rate is within one year (inclusive) of the same term and grade stipulated by the People's Bank of China, the repayment method of monthly interest payment, monthly, quarterly, semi-annual or one-time principal repayment can be adopted; If the term exceeds 1 year, the principal and interest shall be repaid on a monthly basis ☆ Apply to the bank, fill in the application form in writing and submit the following documents: residence certificate or valid residence certificate; 3. Proof of marital status; 4. Proof of income or personal assets; 5 proof of ownership of the mortgaged house, proof of identity of the owner of the mortgaged house (including the legal owner), proof of marital status and written proof of consent to mortgage; Conduct evaluation and provide evaluation report; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report; 6. Loan use plan or statement; 7. Other information required by the bank. ☆ Operation mode: Designate an individual to the borrower to settle the automobile consumption loan. (The above contents are for reference only, and the specific handling standards shall be subject to the regulations of the local branch of China Industrial and Commercial Bank. In order to save your time, the local industrial and commercial bank. ) Consider a credit loan ... I want you to apply for a credit loan in the bank ☆ Service Description Personal credit loan is a RMB credit loan issued by China Industrial and Commercial Bank to borrowers with good credit standing without providing guarantee. ☆ Personal credit with service characteristics can help customers who obtain specific customer access conditions without guarantee and enjoy more favorable services. ☆ Apply for legal residence, have a permanent residence in the local town, and be a citizen of China; 2. Have the appropriate ability to repay the loan principal and interest on schedule; 3. Abide by laws and regulations and have no illegal acts. 4. Get Grade A in ICBC and open a personal settlement account in ICBC; 6. Other conditions stipulated by the bank are as follows: (1) The technicians are high-quality corporate customers of ICBC; (2) Personal assets of more than 2 million yuan (inclusive); (3) Peony Platinum Card customers; (4) Holding the personal financial account of China Industrial and Commercial Bank 1 year (inclusive) or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive); (5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled). ☆ Loan Amount The starting point of the loan amount is 6,543,800 yuan, and the maximum loan amount does not exceed 500,000 yuan (inclusive). ☆ Loan term: Generally, the loan term is 1 year (inclusive), with a maximum of 3 years. Personal credit loans are generally not granted. If it is really impossible to repay the loan on time due to force majeure or accidents, with the consent of the bank, if the loan term is within 1 year (inclusive), it can be extended once. The extension period shall not exceed the original loan period, and the accumulated loan period (including the extension period) shall not exceed 1 year. ☆ Loan interest rate The loan interest rate shall be implemented according to the benchmark interest rate of loans of the same grade at the same period stipulated by the People's Bank of China. ☆ Repayment method: If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, monthly, quarterly or lump-sum principal repayment shall be adopted; If the loan term exceeds 1 year, the repayment method of monthly principal and interest shall be adopted. ☆ Materials to be submitted when applying for a loan When a borrower applies for a personal credit loan from a bank, he/she needs to fill out an application form in writing and submit the following materials: 1, his/her valid identity certificate; 2. Proof of residential address (household registration book, etc. ); 3. Personal professional certificate; 4. Proof of income of the loan applicant and his family members; 5. Other information stipulated by the bank. Depending on the specific access conditions of the borrower, one of the following materials needs to be reviewed: (1) written certificate of post and professional technical level issued by the personnel department of the client unit of the high-quality enterprise. (2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate in the name of individual (or spouse). (3) Peony Platinum Card customer information. (4) Customer certification materials of ICBC wealth management account. (5) China Industrial and Commercial Bank personal loan contract text. ☆ Operational Guidelines ☆ The bank issues loans to the personal settlement account designated by the borrower by transfer. Other operations are the same as personal automobile consumption loans. (The above contents are for reference only, and the specific handling standards shall be subject to the regulations of the local branch of China Industrial and Commercial Bank. In order to save your time, please consult the local industrial and commercial bank in detail before going through the relevant formalities. )

2. What are the application procedures for CITIC's second loan?

CITIC Trust Second Loan is an online credit loan business launched by CITIC Bank, which provides personal credit loans for consumption to customers who meet the loan conditions online. How to apply for CITIC Trust's second loan?

How to apply for CITIC Trust's second loan?

1 First log in to the online banking of China CITIC Bank, enter the login name and password, and complete the login;

Then you can see "Personal Loan" in the menu bar above. After clicking on "Personal Loan", you can see "Loan Application" in the drop-down menu.

After clicking "Loan Application", you can see the application for "Second Credit Extension". According to our own situation, we can choose a way to make a loan, fill in the corresponding information and complete the application.

The application process of CITIC Second Loan is relatively simple. You can follow the above steps yourself. It should be noted that CITIC Bank's second-letter loan is not very demanding for applicants. As long as individuals have good credit and stable income, they can apply.

Three, how to apply for personal consumption loans, explain the steps.

At present, the bank funds are very tight and basically stop lending. It is recommended to use a credit card first, which has an interest-free period of more than 20 days.

Fourth, how to apply for a consumer loan?

Consumer loans need to be judged. Borrowers who want to apply for this loan can choose the most suitable bank according to the above characteristics and their own actual situation. So how to borrow consumer loans? Next, I will improve my posture for everyone. How to borrow consumer loans? The specific steps are as follows: 1. The application materials submitted by the borrower to Shen Meng; 2. The handling bank conducts preliminary examination on the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower; 3, through the preliminary examination and credit investigation, in line with the loan approval conditions; 4. After the approval, notify Diglia Borrower to handle relevant procedures such as contract signing, loan issuance, mortgage or pledge; ? If it fails to pass the examination and approval, it shall explain to the borrower; After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

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