Conditions for applying for salary loan of CITIC Bank:
1, aged 22-55;
2. The bank pays more than 5,000 yuan, and there is social security accumulation fund in the local area;
3. Working in the local area for more than half a year;
4, private enterprises, civil servants, institutions, monopoly industries, listed companies, central enterprises and other outstanding enterprise employees.
After meeting the application conditions, if you want to apply for a salary loan, you must also prepare the following materials.
Required information:
1, valid ID card;
2. Personal income work certificate;
3. Salary card+social security card+provident fund card (choose one);
4. others.
Interest on wages and loans of China CITIC Bank
The salary loan amount of CITIC Bank is 200,000-500,000 yuan, the loan term is 12-36 months, the loan time is 3 working days, the repayment method is equal principal and interest, and the monthly interest is 0.55%. If the loan is 654.38+10,000 yuan, it will be paid off in 12 months, then the total interest will be 6,000 yuan and the monthly payment will be 8,833 yuan.
In addition to understanding the application conditions of CITIC Bank's wage loan, you might as well know the repayment methods of wage loan, which mainly include the following three types.
This is the most common and widely used repayment method at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period;
The borrower needs to allocate the loan principal to each month and pay off the interest from the previous trading day to the repayment date;
Because there are great risks in this repayment method, most banks stipulate that this repayment method can only be used for short-term loans, that is to say, if the loan term is within one year, the approval of this repayment method will be stricter, and it is generally only used for small short-term loans;
The borrower decides to repay the loan at monthly, quarterly or annual intervals according to his actual situation.
What is the repayment method of wage loan of CITIC Bank?
Through the introduction, do you understand the application conditions of CITIC Bank's salary loan? If you meet the above conditions, you can apply according to the steps.
In a supermarket with a wide variety of goods, you can choose any one hundred kinds of goods, and users can click directly if they are interested.