CITIC Bank's provident fund consumer loan is a credit consumer loan product launched by CITIC Bank for customers who have paid provident fund in some areas, which can meet various consumer needs of users. What are the requirements for consumer loan of China CITIC Bank's provident fund?
1, personal credit status is good, no bad credit record;
2. The provident fund of the same unit has been continuously paid for 2 years, and the provident fund account is in a normal state when applying for a loan, and the unit pays the provident fund through CITIC Bank;
3. It can provide proof of consumption purpose. As a consumer loan, the loan funds can only be used for personal consumption, such as car purchase, specialization, travel, shopping and so on.
It should be noted that the loan product is currently only open to users in Qinghai Province and Xining City, and users in other regions cannot apply for the loan product.
Bank credit conditions in China
Personal consumption loan is a loan product provided to individual customers for consumption purposes according to their credit status and the collateral approved by China Bank. To apply for personal consumption loans, you must meet the following basic conditions:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own real estate at the place where the loan is applied;
3. Have a continuous and stable source of income;
4. Good credit status;
5. To apply for personal mortgage consumer loans, collateral recognized by China Bank shall also be provided as loan guarantee.
The above contents are for your reference. Please refer to the actual business regulations.
Where can consumer loans be used?
Consumer loans are aimed at users' personal consumption or family consumption. Specifically, it includes traveling, studying, buying household appliances and furniture, cars, getting married, buying jewelry, and decorating. Studying abroad or traveling. With the improvement of living standards, more and more friends choose to study abroad or travel abroad. Business requirements. At present, many small businesses want to apply for corporate loans. As long as it is in the normal consumption field, users are supported to use consumer loans. However, as a designated loan, consumer loans cannot be used in other prohibited areas, such as mortgage down payment, fund purchase, securities investment, company operation, etc.
In addition, the agency will track the use of consumer loans after the loan. For example, if a user transfers money to Yu 'ebao, it needs a one-time settlement, and the institution is likely to recover the credit from the user. In addition, some institutions require users to provide bills and vouchers when spending. If they can't provide it, they also need to bear the consequences. Therefore, when applying for a loan, users must find out what the money can only be used for, and don't apply and use it illegally, otherwise it will not only leave a bad impression on the platform, but also increase the pressure when they suddenly ask to settle down.
Consumer loans, also known as consumer loans, are loans issued by commercial banks and financial institutions to individual consumers based on consumer credit for purchasing durable consumer goods or paying other expenses. It has the characteristics of wide consumption purposes, high loan amount and long loan period. High risk, high return, periodicity (long-term) and insensitivity to interest rates.
Application conditions
(1) Original and photocopy of the borrower's valid ID card;
(2) local permanent residence or valid residence certificate;
(3) Proof of the borrower's repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax policy, insurance policy, etc.
(4) Pledge right, the list of collateral required by the borrower to obtain the pledge and mortgage amount, the ownership certificate, and the written documents of the property owner and the property owner agreeing to pledge and mortgage;
(5) A written document in which the guarantor agrees to provide a guarantee for the borrower to obtain the guarantee amount;
(6) Credit certificate of the guarantor;
(seven) the mortgage assessment report issued by the assessment department recognized by the society;
(8) Other documents and materials required by commercial banks.
What is the purpose of personal comprehensive consumption loan?
Not all consumers can apply for loans, and the most common purchase of real estate, although also a consumer behavior, cannot apply for consumer loans. Consumer loans have the following three purposes.
1, buy big durable goods or luxury goods.
For example, buy cars, home appliances, jewelry or gold and so on. This kind of products can be preserved or used for a long time, and generally you can apply for a consumer loan.
2. Studying abroad or traveling
With the improvement of living standards, more and more friends choose to study abroad or travel abroad. You can apply for personal consumption loans under these circumstances.
3. Business requirements
At present, many micro-enterprises want to apply for corporate loans, but they can't meet the requirements of lending institutions. Then you can choose to apply for a personal consumption loan, which is also possible.
To sum up, customers' personal consumption credit rating is generally divided into seven grades, which are evaluated from the aspects of customers' income level, repayment willingness, social status, family environment and so on. Not all consumers can apply for loans.
Come and see! Explain in detail how to borrow consumer loans.
Many friends will inevitably encounter lack of money in their daily consumption, and then they will think of solving it through loans. Generally speaking, if you need more money, you need to go to the bank for a loan. If you need less money, you can borrow money through the network platform. Let's talk about how to borrow these two kinds of consumer loans.
Borrow a lot of money to find a bank
If the borrower needs a large amount of consumer loans, then the best choice is to go to the bank to apply for consumer loans. Bank consumer loans are often complicated in process and slow in approval, but the amount is high, the interest rate is low and the term is long. Taking the on-the-job loan of Agricultural Bank of China as an example, this paper discusses how to borrow bank consumption loans. The maximum amount of paid loans is 2 million yuan and the longest term is 5 years. The repayment method is flexible within one year, and the repayment method for more than one year is equal principal or equal principal and interest.
China Agricultural Bank paid consumer loan application conditions.
1, at least 18 years old and no more than 60 years old;
2. Good credit, stable income, and working years meet the requirements of ABC;
3. The registered permanent residence is the location of the loan bank;
3. The loan purpose is reasonable and clear.
The processing flow of consumer loans of Agricultural Bank of China is the same as that of wage loans.
1. The borrower submits a loan application to the bank;
2. The bank investigates and evaluates the borrower's credit reporting and repayment ability;
3. After approval, the borrower goes to the bank to sign a loan contract;
When the borrower proposes to withdraw cash, the bank will lend money after checking the borrower's credit.
Small loan to find credit platform
Generally speaking, small consumer loans should choose online lending platform. These platforms have simple review process, fast lending speed and flexible repayment methods. Take it.
Take pudding loan as an example. Pudding small loans provide the lowest 500 yuan, the highest is 5,000 yuan, the term is 30 days, and the daily interest is repaid as soon as it is borrowed. The borrower can get the loan he wants within 2 hours with his ID card.
Pudding small loan borrowing process
1, download the pudding small loan mobile APP；;
2. Register and log in to your account;
3. Fill in personal basic information. Such as ID number, bank and telephone number.
4. Apply for loans according to the loan amount provided by the system and combined with your own needs;
Through this article, we should know how to borrow consumer loans. Generally speaking, the loan amount is large, and the borrower gives priority to the bank, which is more cost-effective. If only a small amount of temporary emergency is needed, it is best to choose online credit, and the repayment is fast and flexible.
What are the requirements for applying for a consumer loan?
Legal subjectivity:
Seeing that the National Day holiday is coming, shall we go to a scenic tourist spot to relax after we come out to work for a period of time? But what should I do if I just come out to work and have insufficient funds? Next, let's learn the skills of applying for a consumer loan with friends. 1. What are the application skills for consumer loans? 1. Prepare complete loan procedures in advance. I believe everyone knows that applying for a loan requires preparing the loan procedures. Preparing complete loan procedures in advance can not only save loan time, but also help borrowers when applying for loans. Of course, this loan procedure needs to be true, reliable and evidence-based. 2. Provide proof of property recognized by the lending institution. Usually, the property certificates recognized by lending institutions include: houses, cars, securities, wealth management products, insurance policies, etc. You can choose to apply for mortgage consumer loans and unsecured consumer loans. Comparatively speaking, unsecured consumer loans can get loans faster. Providing valid proof of property, the lending institution will give priority to the loan application of such borrowers, and will also give priority to such borrowers. 3. Finding a trustworthy secured borrower and looking for individuals or enterprises to help apply for consumer loans all need the trust of lending institutions. Usually, it is much easier for borrowers to apply for loans with reliable guarantees. With the guarantee, the risks that lending institutions need to bear will be much smaller. So it is impossible for everyone to apply for a travel loan soon. 4. Find a reliable loan search platform. The loan search platform refers to a financial vertical search engine that aggregates most existing loan projects in the financial market and provides search services for loan demanders. A good loan search platform can find the right loan products for everyone in one stop. The 99 loan search platform can directly submit the initial loan application, help you apply for a loan quickly, and submit the borrower's application to the local credit institution or bank. Personal credit loans can be used for direct consumption, so borrowers can apply for credit loans as long as their income is stable, their credit is good and their income reaches a certain amount. 6. Mortgage loan: Mortgage loan can also be used for personal consumption. Compared with credit loans, borrowers are required to have collateral as collateral. The amount of mortgage loan is often higher than that of credit loan, which is suitable for people who need a lot of money to apply; 7. Loans from consumer finance companies: If it is difficult to borrow directly from banks, borrowers can also borrow from consumer finance companies. The advantage of finding a loan from a consumer finance company is that the conditions are simple and the processing is fast. The above is the knowledge about "what application skills are there for consumer loans" introduced by Bianxiao. com. The actual situation in real life is complicated and needs specific analysis. If your situation is complicated, this website also provides online consultation service for lawyers, and you are welcome to make legal consultation.