I. Bank personal loan process 1. Preparation of related procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry. 5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. II. Materials required for individuals to borrow from banks 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

2. How to handle the auto loan of CITIC Bank?

The car loan of CITIC Bank is a convenient, fast and comprehensive financial product and service specially designed for car buyers. So, how to handle the car loan of CITIC Bank? It is understood that CITIC Bank's auto loans are divided into "worry-free loans", "loan relief", "loan exemption" and "heart-to-heart loans". The first two are equal principal and interest and average capital products. It is worth noting that "free loan" can pay the loan interest and part of the principal (minimum 20%) every month during the loan period after the down payment, and pay the agreed final payment in one lump sum after the loan expires. China CITIC Bank's automobile loan processing flow: 1. The borrower signs a car purchase contract with the car dealer, fills in the loan application form, and submits relevant materials as required by CITIC Bank. Generally speaking, there are identification (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, family property certificate, car purchase contract, down payment certificate, car purchase invoice, vehicle purchase surcharge certificate, vehicle registration certificate, vehicle insurance policy, etc. 2. The handling personnel of CITIC Bank or the entrusted law firm shall review and investigate the materials submitted by the loan applicant; 3. CITIC Bank approves and informs the borrower of the approval result; 4. The borrower shall go through the insurance and mortgage registration procedures; 5. CITIC Bank issues loans, and the borrower repays the principal and interest in accordance with the loan contract.

3. What are the terms of CITIC Bank's auto loan?

1. Applicants must be between 18 and 55 years old. Have full capacity for civil conduct.

2. buy a traditional power car with one hand. The applicant has its own funds not less than 20% of the car price as the down payment; Second-hand car new energy vehicle down payment15%; The minimum down payment for used cars is 30%.

3. The applicant has a stable job and income. Have the ability to repay the loan principal and interest on time.

4. The applicant's credit status is good. No bad credit record.

5. Other conditions of CITIC Bank.

6. It should be reminded that. After handling the auto loan from China CITIC Bank, the payment can only be used to purchase the self-use car or the additional products of the car on the basis of the car. In addition, the longest term of the first-hand car loan of CITIC Bank is 5 years; The term of second-hand car loan is no longer than 3 years.

4. What is the approval process for operating loans of CITIC Bank?

First, the borrower submits a written application to CITIC Bank, and submits ID card, household registration book, marriage certificate, business license, bank account, etc. After the account manager reviews and conducts on-site investigation, the customer personally signs the power of attorney and other materials. After the approval, the bank credit department signs the loan contract and mortgage contract, and then applies for mortgage and issues loans after obtaining other property warrants.