New CCB cards can also be used for loans. The main purpose of owning this bank card is to transfer money to your card. The main reason is that the loan needs to meet the loan conditions of the bank before it can be processed.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Due to different loan types, the conditions and materials for applying for loans are also different.

The requirements for bank loans for personal loans are: the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use. Moreover, it requires a good personal credit status and has certain restrictions on the income of borrowers. Usually, the borrower is required to have an average monthly income of not less than 4,000 yuan. Submit the relevant application materials, and the bank can apply for a loan after approval.

2. Can I borrow money from my new debit card?

You can't borrow money, you need a credit card.

3. Do I need to open a new bank card to apply for a loan?

When applying for a loan, if the borrower has a bank card in the bank, it is not necessary to apply again. If the borrower has not yet applied for a bank card at the loan bank, then the bank card is specially used to collect and repay the loan, and it only needs once a month. The loan bank will automatically deduct the amount due on the repayment date.

1. What should I pay attention to when handling mortgage loans?

1. I need to sign the mortgage formalities at the scene. If I get married, I need both husband and wife. At the same time, I need to go to the notary office to entrust and prove with the office. The original notarized power of attorney requires two copies. So please be sure to arrange your own time to be there, or go to the notary office in advance.

2. The income certificate requires you to repay more than twice a month, including all outstanding loans from your previous bank, so please note that your monthly income should be more than twice the monthly repayment of all outstanding loans; Personal income certificate 1 10,000 yuan or more needs to include bonds, bank deposits, etc. So please prepare all the roots.

3. If the private owner cannot issue a certificate of income, the materials to be provided are: business license, tax registration certificate or bank deposit receipt for the last six months.

4. If you were in loans overdue before, please ask the former loan bank to issue a certificate of settlement of arrears and affix a fresh bank seal, otherwise the loan bank will suspect that it is very important to use your personal credit record. Please be careful not to overdue the loan.

2. What materials should be prepared for bank loan procedures?

1, loan application form;

2, the borrower's work income certificate;

3. Business license, business tax bill, current accounts and financial statements;

4. Guarantee materials; Property ownership certificate, and some people agree with the appraisal certificate of mortgaged assets;

5, the original certificate, the real estate certificate, someone agreed to mortgage, the bank

6. Other information required by the bank.