At present, Citibank Happy Gardener/Doctor Loan is only applicable to customers who work and live in Beijing, Shanghai, Guangzhou, Shenzhen or Chongqing. Require a monthly income of more than 4,000 yuan before tax, and require the bank to run smoothly. Those that meet the requirements do not need mortgage and guarantee. The loan application materials required by Citibank include: application form, ID card, proof of residence (bank statement, utility bill, real estate license or household registration book), proof of income (tax payment certificate in the last 3 months or bank running water, etc.). ), teacher qualification certificate or doctor qualification certificate.
At present, the personal unsecured loan interest rate of Citibank is mostly in the range of 1.4~ 1.65%. When making a loan, the bank will adjust the interest rate according to the actual situation of the borrower. Once the loan is issued, the interest rate of the loan term will not change. The loan term is 6 months, 12 months, 24 months, 36 months or 48 months. Citibank Happy Gardener/Doctor loan supports the purchase of various reasonable consumption purposes such as family use, decoration, study and training, wedding banquet, etc. , before and after lending, you need relevant use certificates.
1. Loan object
Teachers in public schools with teaching qualifications should have professional establishment or the same treatment as professional establishment, and teachers in private schools should pay social insurance such as endowment insurance for more than one year according to law.
2. The purpose of the loan
Comprehensive consumer demand such as housing decoration, education, medical care, tourism expenditure, purchase of non-operating vehicles and durable consumer goods.
3. Loan amount
In principle, the maximum amount of credit loans is 300,000 yuan; Guarantee the maximum loan amount of 500,000 yuan; Mortgage can be relaxed appropriately.
4. Term of loan
According to the loan amount, loan purpose and comprehensive repayment ability. In principle, the longest period shall not exceed 5 years.
5. Loan interest rate
"Gardener Loan" will enjoy preferential interest rate, with the lowest interest rate of 6.96%.
6. Guarantee method
It can be handled by means of "family loan" guaranteed by family members, or by means of credit, guarantee, mortgage and pledge.
7. Repayment method
You can flexibly use the methods of regular interest settlement, repayment of principal at maturity, average capital and equal principal and interest. /kloc-medium and long-term loans over 0/year shall be repaid in installments.
What conditions do gardeners need for loans?
1. Have teaching qualifications, including teachers in public schools, teachers in private schools and non-teachers in public schools;
2. Pay social security for more than one year;
3. Good credit and no bad personal credit record;
4. Have stable income and repayment ability;
5. Meet other requirements of rural credit cooperatives.