Yes, you can't apply for a second credit without CITIC Bank Card. To apply for a second credit, you must have a credit card of CITIC Bank.
The application conditions of CITIC Bank's second loan are as follows:
1. The applicant is a mainland citizen (except students), aged between 20 and 55, with full capacity for civil conduct.
2. The applicant should have good personal credit and no bad overdue records.
3. The applicant has a stable job and income and can repay the loan principal and interest on time.
4. Pay personal income tax continuously for two years, or pay provident fund for two years and pay it continuously for nearly one year.
5. The applicant has applied for a house purchase loan or a house mortgage loan in China CITIC Bank.
2. How is the mortgage loan of CITIC Bank handled? What are the precautions?
1. A natural person in China, aged from 18 to 60, with full capacity for civil conduct and meeting the following conditions: having a local permanent residence or valid residence status; Have a stable occupation and income; The original borrower who has good credit and can repay the principal and interest of the loan on time has signed a commercial housing sales contract; Provide proof of interest rate that can pay the purchase price other than the loan. The loan amount and term of the reloan borrower shall be maintained at the remaining loan principal and loan interest rate when the original borrower closes the reloan application. Implement the fixed interest rate and adjustment method stipulated by the People's Bank of China. Three. Loan procedures, loan applicants and real estate sales contracts; The loan applicant shall submit the relevant application results according to the table; We signed a loan contract with the borrower and went through the insurance and mortgage registration procedures; Our bank issues loans and the borrower repays the principal and interest according to the loan contract. Four. Materials to be submitted for appraisal (including ID card, household registration book, marriage certificate, loan application form, first agreement, insurance policy, loan contract, house ownership certificate, house ownership certificate, etc.). Please consult your local branch for details, and our staff will help you understand the specific requirements of retail loan business. The right to interpret this information belongs to CITIC Bank, and the contents listed in this information shall be subject to the regulations of local branches.
3. How is the mortgage loan of CITIC Bank handled? What are the precautions?
What is your mortgage?
If so: second-hand housing mortgage to prepare materials.
Buyer:
1, original ID card, household registration book and marriage certificate of both husband and wife.
2. Original sales contract signed by both parties (2 copies)
3 proof of income of both husband and wife (including a copy of the business license stamped with the official seal and passed the annual inspection)
4. The borrower provides proof of education (college or above).
5. If you divorce, you need a divorce certificate.
6. If you are widowed, you need to provide proof of widowhood.
7. Residents from other provinces and cities need to provide the original temporary residence permit when buying a house.
8. Proof of down payment
Seller:
Copy of ID card, household registration book, marriage certificate and real estate license of both husband and wife (including the original purchase agreement); If you divorce, you need a divorce certificate and a property judgment; Widowed, you need to provide proof of widowhood and notarial certificate of inheritance;
Note: The original of the above information must be provided when the bank signs the contract in person.
All these are necessary! ~
The above is what the bank needs to sign in person. Interview, declaration, evaluation, approval, loan approval, transfer.
Four. CITIC Bank loan processing process and matters needing attention
Process 1. The borrower applies to a bank outlet. When applying, you should bring your ID card, proof of address, proof of stable income source and other related materials. If you are a merchant, you need to bring your business license. 2. After receiving the lender's application, the bank will review the lender. 3. After the bank has passed the examination, it will sign a loan contract with the bank. 4. The bank lent money, and the lender successfully got the loan. Note 1. If it is a mortgage loan, the sum of the loan amount and the interest during the loan period cannot exceed half of the assessed value of the collateral. 2. Have a long-term and stable income source, which is enough to pay the monthly loan principal and interest. 3. If it is a secured loan, a guarantor is needed. 4. Age limit of the borrower: the age loan period for men shall not exceed 65 years, and the age loan period for women shall not exceed 60 years. 5. Customers blacklisted in the credit information system cannot apply for loans.