There are many kinds of commercial loans of BOC, and the application conditions of different commercial loan businesses are also different, but the following basic loan conditions must be met when applying for loans:

1, with full capacity for civil conduct;

2. Have a mainland resident account or permanent residency in China;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;

4. There is a mortgage, pledge or guarantee approved by the bank;

5. Be at least 18 years old and have a good credit record.

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, and can also fill out loan applications online if conditions permit.

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. What are the requirements for applying for a consumer loan from CITIC Bank?

Look at personal qualifications, the better the qualifications, the easier it is to apply. You can apply now, and the unsecured time is usually 1-5 working days. Materials: provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information; Provide stable address, housing lease contract, utilities, property management and other related information; Provide stable income sources, bank statements, labor contracts, etc.

4. What are the commercial loan terms of CITIC Bank?

There are many kinds of commercial loans of BOC, and the application conditions of different commercial loan businesses are also different, but the following basic loan conditions must be met when applying for loans:

1, with full capacity for civil conduct;

2. Have a mainland resident account or permanent residency in China;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;

4. There is a mortgage, pledge or guarantee approved by the bank;

5. Be at least 18 years old and have a good credit record.