There are many kinds of commercial loans of BOC, and the application conditions of different commercial loan businesses are also different, but the following basic loan conditions must be met when applying for loans:
1, with full capacity for civil conduct;
2. Have a mainland resident account or permanent residency in China;
3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;
4. There is a mortgage, pledge or guarantee approved by the bank;
5. Be at least 18 years old and have a good credit record.
What conditions does CITIC Bank need for microfinance?
The borrower must be between 23 and 60 years old.
Working and living in the local area and working in the current work unit for half a year.
The monthly income from working in the four major cities of North, Guangzhou and Shenzhen is not less than 5,000 yuan; The monthly income in Xiamen, Nanjing, Suzhou, Hangzhou, Yangzhou and other places is not less than 4,000; Other application fields are not less than 3000. It should be noted that the credit loan of CITIC Bank requires that the borrower's salary must be paid by CITIC Bank, and there is a running monthly salary.
Excellent credit rating.
Other relevant application conditions stipulated by China CITIC Bank.
1, China CITIC Bank
CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.
2, the meaning of the logo
Brand Interpretation: Honesty, Dignity and Steady Development
Credit terms of CITIC Bank
Credit conditions of CITIC Bank: 1, the borrower is between 20 and 55 years old, with full capacity for civil conduct and valid identification; 2. Personal credit information is good; 3. The borrower has a stable job and income and can repay the loan principal and interest on time; 4. Target groups meeting the requirements of banks; 5. Other conditions stipulated by the bank.
The target customers of CITIC Bank's second loan include CITIC Bank's payroll customers and AUM customers; Customers who have paid provident fund and social security in areas where credit loans have been opened; Real estate holders (including housing mortgage customers, real estate mortgage customers of China CITIC Bank, etc.). ); Other customers who meet our requirements.
The maximum loan amount of CITIC Bank is 300,000 yuan, the longest single loan period is 12 months, and the single loan period of quality customers can be extended to 36 months. Support monthly interest payment, due repayment (loan support 12 months or less), monthly interest payment, annual repayment (loan support 12 months or more), equal principal and interest, average capital and other repayment methods.
The credit second loan of CITIC Bank can only be used for production, operation or personal consumption agreed in the loan contract, and shall not be used for other purposes such as house purchase and investment. After borrowing, you must pay it back on time, and there can be no overdue situation, because there will be penalty interest after the overdue, and personal credit information will become worse.