CITIC Bank loan processing flow and matters needing attention

I. Process and Matters Needing Attention of CITIC Bank's Loan Handling

Handling process

1. The borrower applies to the bank outlet. When applying, you should bring your ID card, proof of residence origin and other relevant information. If you are a business, you need to bring a camp.

2. After receiving the lender's application, the bank will review the lender.

3 through the examination and approval of the bank, signed a loan contract with the bank.

4. Bank loan, the lender successfully obtained the loan.

Matters needing attention

1. If it is a mortgage loan, the sum of the loan amount and the interest during the loan period.

2. The income source of interest.

3. If it is a secured loan, you need to

4. Age limit of the borrower: the age loan period for men shall not exceed 65 years, and the age loan period for women shall not exceed 60 years.

5. New customers can't apply for loans.

2. Can CITIC Bank handle loans?

CITIC Bank can make loans. However, the following conditions need to be met:

1. Provide the loan information required by the bank. The borrower needs to provide proof materials such as ID card, residence certificate, work certificate, income certificate and loan use certificate.

2. Submit a formal loan application to China CITIC Bank. Borrowers apply at bank outlets and submit materials. If conditions permit, they can also fill out loan applications online.

3. The repayment ability of the bank to the borrower. After filling out the loan application, the bank will generally review the relevant information of the lender and guarantor. If the loan conditions are met, the bank will inform the lender to go to the bank again to fill out various loan forms.

4. Go through the mortgage guarantee procedures. Including guarantee contracts, mortgage contracts, etc. , and handle the relevant mortgage registration procedures.

5. The bank issues loans according to the loan contract.

3. Can CITIC Bank lend money?

Loans are one of the main businesses of CITIC Bank, so CITIC Bank can handle loans. Moreover, there are many kinds of loans to meet the different needs of borrowers.

Loan conditions of CITIC Bank

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

4. Can CITIC Bank lend money?

CITIC Bank can make loans.

Personal loan object and conditions

Loan target:

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;