How about Zhongyuan Bank's perpetual loan? It is reported that perpetual loan is the first innovative online mortgage loan product launched by Zhongyuan Bank. This product can be used for a long time, and the longest period is 30 years. Online application, online evaluation, online examination and approval, the fastest one-day loan, and the maximum credit line is 6,543,800 yuan.
Zhongyuan bank perpetual loan
As long as there is a set of existing houses under the user name, you can apply for a "perpetual loan" and get a credit line that can be withdrawn at any time for 24 hours, turning the original property into a working capital that can be withdrawn at any time for emergencies. It is understood that the product has attracted 720,000 people's attention in just seven months, and the pre-credit amount exceeds 32 billion yuan.
How to handle the perpetual loan of Zhongyuan Bank?
Zhongyuan Bank's mobile banking online application for "perpetual loan" is simple and quick, and some citizens have experienced the "perpetual loan" products on the spot. At the prompt of the bank staff, Mr. Huang filled in his real estate information on his mobile phone and confirmed the submission. After a few simple operations, he completed the online evaluation and real-time approval, and obtained a pre-credit line of 450,000 yuan from the bank.
After that, Mr. Huang was granted credit by telephone, on-site inspection and on-site interview. The efficient and fast loan method subverts the complicated traditional bank loan business process in people's minds. Through on-site operation, the participants also intuitively felt the charm and service of "perpetual loan".
Can Zhongyuan Bank always borrow money to mortgage the house?
Zhongyuan Bank cannot apply for a loan for a permanently mortgaged house. When applying for a perpetual loan, Zhongyuan Bank stipulates that a property can only be used to apply for a mortgage loan if it has obtained a property ownership certificate or a property ownership certificate, but the property ownership certificate or the mortgaged property ownership certificate is mortgaged in the bank and cannot be used to apply for a perpetual loan.
Zhongyuan Bank Co., Ltd. (hereinafter referred to as Zhongyuan Bank or ZYB) is located in Zhengzhou City, Henan Province. Zhongyuan Bank has built a modern enterprise system and corporate governance structure model of "three meetings and one floor", and implemented "first-class legal person, unified leadership, hierarchical operation and authorized operation" with a registered capital of 654.38+05.42 billion yuan, ranking first among city commercial banks in China. It has set up 22 functional departments, including the head office's business department, 17 branch and 444 branch, and initiated the establishment of 9 branches.
2065438+On February 22nd, 2006, Zhongyuan Bank successfully obtained the qualification of cross-border RMB business.
As of June 30, 20021year, the total assets of Zhongyuan Bank were 753.002 billion yuan. Total loans (excluding accrued interest) and deposit balance (excluding accrued interest) were 384.994 billion yuan and 448.500 billion yuan respectively, up by 7.8% and 5.5% respectively from the beginning of the year. In the first half of 200210, Zhongyuan Bank realized an operating income of 9710.8 million yuan; The profit before provision was 6.787 billion yuan; The net profit was 265,438+0.65,438+0.2 billion yuan, a year-on-year increase of 4.2%.
20211kloc-0/On October 27th, Zhongyuan Bank announced that it planned to merge bank of luoyang, Pingdingshan Bank and Jiaozuo CTS Bank.
scope of business
Absorb public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; International settlement, foreign exchange guarantee, self-operated or agency foreign exchange trading, foreign exchange interbank lending, credit investigation, consultation and witness; Engaged in bank card business; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box business; Other businesses approved by China Banking Regulatory Commission.
As of June 30, 20021year, the total assets of Zhongyuan Bank were 753.002 billion yuan. Total loans (excluding accrued interest) and deposit balance (excluding accrued interest) were 384.994 billion yuan and 448.500 billion yuan respectively, up by 7.8% and 5.5% respectively from the beginning of the year. In the first half of 200210, Zhongyuan Bank realized an operating income of 9710.8 million yuan; The profit before provision was 6.787 billion yuan; The net profit was 265,438+0.65,438+0.2 billion yuan, a year-on-year increase of 4.2%.
What are the conditions of Zhongyuan Bank's perpetual loan?
Zhongyuan Bank's perpetual loan belongs to the real estate mortgage loan business, and the application conditions are as follows:
1. The applicant must be 18 years old and under 65 years old, with full capacity for civil conduct;
2. The applicant must have a stable income and work, and have the ability to repay the loan on time;
3. The applicant needs to have a good credit record and there is no stain on the credit information;
4. The applicant must have the property ownership certificate or the property ownership certificate except the first-hand mortgaged house.