The maximum amount can be 500,000 yuan; in principle, the maximum credit loan amount is 300,000 yuan; the maximum guaranteed loan amount is 500,000 yuan; the housing loan can be relaxed appropriately. Citi Happy Gardener/Physician Loan is a loan product launched by Citibank for specific groups of teachers and doctors. Applicants only need to show their teacher or doctor qualification certificate to apply for a loan amount of up to 500,000 and a preferential loan interest rate. For various consumer needs such as travel, study, decoration, etc.
Currently, Citibank’s Happy Gardener/Physician Loan is only for customers who work and live in Beijing, Shanghai, Guangzhou, Shenzhen or Chongqing. The monthly pre-tax income is required to be above 4,000, and bank statements must be provided to meet the conditions. Loans do not require collateral or guarantees. The loan application materials required by Citibank include: application form, ID card, proof of residence (bank statement, utility bill, real estate certificate or household registration book), proof of income (tax payment certificate or bank statements for the last 3 months or more, etc. ), teacher qualification certificate or physician qualification certificate.
Currently, Citibank’s personal unsecured loan interest rates are mostly in the range of 1.4 to 1.65. When lending, the bank will adjust the interest rate based on the borrower’s actual situation. Once the loan is issued, the loan term interest rate will not change. Loan terms are available in 6, 12, 24, 36 or 48 months. Citibank's Happy Gardener/Physician Loan supports various reasonable consumption purposes such as home purchases, decoration, study, weddings and banquets. Relevant proof of purpose is required before and after the loan is issued.
1. Loan recipients
Public school teachers with teaching qualifications should have vocational preparation or receive the same treatment as vocational preparation. Private school teachers should pay pension insurance and other social insurance for more than one year in accordance with the law. .
2. Purpose of Loan
Comprehensive consumption needs such as housing decoration, education, medical care, travel expenses, purchase of non-commercial vehicles, durable consumer goods, etc.
3. Loan amount
In principle, the maximum credit loan amount is 300,000 yuan; the guaranteed maximum loan amount is 500,000 yuan; housing loans can be relaxed appropriately.
4. The loan period
Shall be reasonably determined based on the loan amount, loan purpose, comprehensive repayment ability, etc., and in principle shall not exceed 5 years.
5. Loan interest rates
We have preferential interest rates for "Gardener Loans", with the lowest interest rate being 6.96.
6. Guarantee method
It can be handled through a "family loan" guaranteed by family members, or through credit, guarantee, mortgage, pledge, etc.
7. Repayment methods
You can flexibly use regular interest settlement, principal repayment at maturity, average capital, equal principal and interest, etc. Medium and long-term loans of more than 1 year should be repaid in installments.
What are the requirements for a gardener loan:
1. Have teaching qualifications, including public school teachers, private school teachers and public school non-teachers;
2. Pay social security for more than one year;
3. Have good credit and no bad personal credit record;
4. Have stable income and the ability to repay;
5 .Comply with other requirements of rural credit cooperatives.