First, the object of tourism consumption loans is China citizens who have permanent residence in Beijing and have a fixed residence in Beijing and have full capacity for civil conduct.
Second, the specific conditions of the borrower.
1.20 to 65 years old natural person;
2. Have a stable economic income or the ability to repay the loan principal and interest, and have no bad records;
3. Being able to provide a guarantee with compensation ability;
4. The borrower and the natural person as guarantor have no loans or the accumulated loan amount does not exceed 6,543,800 yuan in other branches other than the branch applying for loans;
The loan is mainly used to pay all kinds of travel expenses (including domestic travel and foreign travel) stipulated by the travel agency.
Third, the loan method.
1. Guarantee. The guarantor shall be a legal person of an enterprise or institution with good credit standing and sufficient compensation capacity, or a natural person with full capacity for civil conduct and sufficient compensation capacity and no bad record.
2. Mortgage guarantee. Providing the personal property of this Municipality that the borrower has the right to dispose of as collateral;
3. Pledge guarantee. Take cash bonds, AAA corporate bonds, the Bank's RMB or foreign currency certificates of deposit, and legal pledge certificate bonds issued by the Bank as pledges.
Four. The starting point of the loan amount is 3,000 yuan, and the upper limit is 20,000 yuan for domestic tourism and 50,000 yuan for overseas tourism.
Five, the loan period is divided into six months and one year.
Six, the loan repayment form adopts two ways: one-time full repayment and monthly equal repayment.
Seven. Loan procedure
1. The customer applies to the travel agency designated by the bank and fills in the application form.
2. After passing the preliminary examination, the travel agency will submit the application form to the customer and handle the loan formalities at the branch designated by the bank.
3. The customer shall go through the loan formalities at the acceptance point designated by the bank according to the application conditions and attach relevant materials (domestic tourism loans shall be applied to the bank 20 days in advance; Overseas travel loans need to be applied to the bank 40 days in advance). After approval, the bank requires the customer to open a current savings account or a savings card of Beijing Card and deposit 20% of the travel expenses into the account as the down payment, and sign a loan contract, a guarantee contract and a power of attorney for entrusted deduction.
4. The bank will transfer the loan and the customer's down payment to the settlement account opened by the travel agency in the bank, and the travel agency will contact the customer for specific travel matters.
5. The customer will deposit the repayment amount into Beijing Card Savings Card or USW Current Savings Account of Bank of Beijing on time, and the bank will deduct it.