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It is necessary to check the credit report every three years. Banks will inquire about users' credit reports from time to time, mainly to confirm users' repayment situation, and also to look at users' debt ratio. This kind of investigation is called
If the lender's credit record is not very good in the three-year credit process, and the bank also finds that this does not promote repayment, the credit period will also be shortened, which may become two years or two years.
Relevant users suggest timely repayment after the loan to avoid ringing the bell.
2. What does the revolving credit line launched by CITIC Bank mean?
The full name of "revolving loan under personal comprehensive credit" refers to the RMB loan credit granted to the lender that can be withdrawn and recycled by stages.
As long as the lender mortgages the maximum amount of the house he has purchased to the bank, he can apply to the bank for personal loans with clear and legitimate consumption purposes many times within the credit period and available quota.
Third, the difference between the operating loan credit of CITIC Bank 1 year and 3 years.
The difference between 1 year and 3-year operating loan issued by China CITIC Bank lies in the different loan term and loan interest rate. According to relevant public information, the loan term is different: CITIC Bank's operating loan 1 year means that the loan term is 1 year, and 3 years means that the loan term is 3 years. Different loan interest rates: According to the different loan term, the loan interest rate of operating loan 1 year of CITIC Bank will be higher than that of 3-year loan.
4. I'd like to ask about the types of loans, interest rates and the longest term of operating loans of various banks. ...
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If you are a business owner and have a business, you can apply for a traditional personal business loan through mortgage. The mortgage ratio of the house is 70% of the appraised price, 60% of the commercial house and 50% of the affordable housing and market shops. The loan term is 65,438+0 years, with interest paid first and principal paid later, and the revolving loan is 3 years. The interest rate is 6. 15%, the floating ratio is 40%-50%, and the loan amount ranges from 30.
If an individual applies for a comprehensive consumer loan, the interest rate will rise by the same amount and percentage, but the difference is that the repayment method is equal principal and interest, the term is 5- 10 years, and the benchmark interest rate is 6.55%.
China Merchants Bank provides full mortgage loans, including 65,438+00% for housing loans, 70% for commercial housing loans, and 60% for affordable housing and market shops, with interest paid in advance within one year and revolving loans within three years, with the implementation interest rate of 6. 15% rising by 50%.
To apply for a credit loan, at present, the relatively large credit loan method is a joint guarantee loan, which requires enterprises in the professional market and chambers of commerce, or enterprises with upstream and downstream relations, to borrow 500-500 million yuan, with an interest rate of 6% of the benchmark interest rate and a term of 1 year. The starting banks are Harbin Bank, Ping An Bank, Minsheng Bank and China CITIC Bank.
The other is that enterprises apply for credit loans independently, which are generally required to be national supporting enterprises with good credit status and relatively well-known enterprises with certain social influence, large turnover, abundant cash flow and strong profitability.
The cost of applying for a credit loan is greater than the cost of applying for a mortgage loan, and there will be related expenses. The amount of credit loans applied for is positively related to the credit status of enterprises. Generally speaking, the amount is small relative to the assets, and the bank will only add icing on the cake, and will never give timely assistance.
Banking policies and product banks vary from place to place. The above is the situation in Chongqing. You are in Shandong, you can consult the local loan agency for details.
I am a loan agent in Chongqing.