If it is a credit consumption loan, if the system shows that it is being approved, the approval result will be issued within three to five days. If approved, the loan funds will be released immediately, and the lending speed will not be very slow, often in two or three days. Maybe not more than a week before and after. If it is efficient, it may be that the loan will be received on the day when the approval is completed. As for other loans, such as mortgage loans, the process is more complicated and takes longer. For example, the mortgage, the audit is estimated to take two or three weeks, and then the loan is estimated to take one or two months.
I. Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" within the prescribed approval authority according to the loan application and pre-loan investigation opinions. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan, mainly to determine the loan amount, repayment period, interest rate and loan method.
Second, some loan principals should also ask for follow-up investigation and monitoring of loan personnel. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. In other words, each loan must be investigated by the loan officer, and the preliminary examination opinions are put forward, and the loan can only be issued after the approval of the credit section chief. Loans with a large amount or "three signatures" according to regulations shall be signed by the president. No individual may sign a wholesale loan alone.
3. CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing. The major shareholder is China CITIC Company Limited. Banco Bilbao Vizcaya Argentaria (S. A. BBVA) invested 50,654.38 billion euros (about HK$ 5.02 billion) to buy a 5% stake in China CITIC Bank, and may also choose to increase its shareholding in China CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.
4. On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.
85,000 long-term credit card loans from China CITIC Bank
The credit card long-term loan amount of CITIC Bank is as follows:
1, and the general card amount is between 3000- 10000 yuan;
2. The gold card amount is between 10000-50000 yuan;
3. The amount of the platinum card is more than 50,000 yuan.
China CITIC Bank Credit Card Center will make a comprehensive evaluation based on the information submitted by the applicant. If it is the first time for the applicant to apply for a card, the applicant can provide more financial proof, which is conducive to the increase of the quota. The final application amount is subject to the bank's audit results.
How long does it take for CITIC to get a credit card loan?
After CITIC Bank lends money, the loan amount will generally reach the borrower's account within one to three working days. There are two kinds of loans from CITIC Bank: one is credit loan and the other is mortgage loan. Generally speaking, it takes seven to fifteen days to apply for a credit loan. Generally, it takes fifteen to thirty days to apply for a mortgage loan.
Extended data:
CITIC Credit Card Application:
To apply for CITIC Credit Card, customers can directly bring ID card, residence certificate, work income certificate and other related materials to the counter of offline business outlets to find staff to handle it; You can also apply online, such as CITIC Bank official website, Mobile Banking, Credit Card APP "Mobile Phone Card Space", and CITIC Credit Card WeChat official account, Alipay life number, etc. , all have credit card application entrance.
It should be noted that if you want to apply for a credit card of CITIC Bank, you must meet the following basic conditions:
1. Natural person with full capacity for civil conduct, age 18 to 65 years old (age of supplementary card applicant 16 to 75 years old, supplementary card for overseas student card is relaxed to15);
2. Personal credit is good, and there is no bad credit record on credit investigation;
3. Have a stable and legal job or economic source.
In fact, there are three main grades of credit cards: Puka, Gold Card and Platinum Card. Customers apply for different card grades, and the threshold will be different. The higher the level of the general card, the stricter the requirements for the applicant, especially in terms of assets and financial resources.
Credit card loan operation:
To apply for a credit card loan, customers can buy a car by credit card installment and apply for special installment, such as credit card home improvement installment. Generally, it is not a problem to borrow 200,000 yuan. For example, the application amount of China Construction Bank ranges from 200,000 to 200,000 for car purchase and home improvement in Longka.
It's just that what everyone needs to pay attention to is the special installment business such as credit card car purchase installment and home improvement installment, which are generally merchants who need to find a bank to cooperate. Like CCB Longka, there are car dealers who know the car purchase situation by stages, and customers can only handle it if they choose the designated model.
Because it is an installment business, there is generally no interest, and the installment fee is charged. As long as the customer lists the amount according to the bill, he can repay the current principal and the corresponding handling fee on time before the repayment date (inclusive). As long as it can be returned in full and on time, you can enjoy interest-free treatment. Otherwise, once overdue, there will be overdue penalty interest.
Of course, customers can also choose to go directly to the bank to apply for loans. As long as the customer's age meets the standards; Personal credit is good; Have a stable income and the ability to repay on time; The mortgage or guarantee provided is qualified, and the loan can usually be successfully obtained.