Loan details

1. limit: up to 90% of the appraised value of the real estate. In addition, you can also apply for additional loans, and the maximum additional loans can reach 200,000.

2. Term: The maximum loan term is 30 years, which can be recycled by the borrower.

3. Repayment: The repayment method is as follows: loans with an amount of less than 300,000 yuan can be repaid by credit card, and the amount will be restored immediately after repayment.

loan application

So, how to apply for a mortgage loan from CITIC Bank? On the one hand, if the borrower's credit status is good, on the other hand, three types of customers who own the house can apply, including those who apply for mortgage in CITIC, those who purchase the auction house in full and those who have no loans for existing houses.

The mortgage loan of CITIC Bank is a widely used consumer loan, which can be used to mortgage car purchase, decoration, education, medical care, tourism and so on. The amount is large and it is very convenient to handle.

Is the house mortgage property certificate of CITIC Bank mortgaged to the bank mortgage loan?

Many people want to know, if I mortgage my house in CITIC Bank, is the real estate license in the bank?

The answer is yes.

So what are the conditions for applying for a mortgage loan?

The parties must be at least 18 years old, have a stable income, have the conditions to repay the principal and interest of the loan, have good credit and have a fixed residence. After all these materials are ready to be submitted to the bank, the bank will examine and approve them, and just wait patiently in the meantime. Finally, the bank will evaluate the value of your property and then give the loan amount.

Does CITIC Bank need to trust the house for the second mortgage?

Don't take the room book.

After the bank mortgage loan is approved, the loan contract is signed, and the borrower carries his ID card and household registration book to the real estate department for mortgage procedures, which can be completed in about one week. The bank has special licensing personnel to go to the real estate department to get the house book and the real estate registration certificate, and the borrower can arrange time to go to the bank to get the house book.

The bank will keep the real estate registration certificate (that is, the real estate has been mortgaged to the bank) and will not take the house book, so CITIC Bank will not take the house book when handling the secondary mortgage.

Extended data

The influence of bank two mortgage

Bank experts said that the benefits of secondary mortgage to enterprises are as follows: first, it strengthens the guarantee means and makes it easier to obtain loans; Secondly, with the passage of time, the repayment of real estate mortgage can reduce the loan amount, and the vacated part can be turned into cash to provide working capital support for enterprises; Third, the value-added part of real estate can be turned into cash.

Good enterprise qualification is also an important condition for the success of secondary mortgage. Banks will consider that once overdue, the property disposal involves two banks, which is more difficult. Therefore, banks will only agree to the second mortgage if they are more recognized for their own operations and have less risks.

"Some enterprises' factories, shops, etc. They are all put together to make one or less property certificates, and the monomer value is relatively high, so it is impossible to disassemble when handling mortgage business. However, through two mortgages, the small and multiple loan model can be solved. " Some banking experts have pointed out another advantage of secondary mortgage, but the premise is that other banks are not allowed to carry out secondary mortgage business in credit contracts.