Is the credit loan of CITIC Bank reliable?

The credit loan of CITIC Bank is reliable. As long as they meet the age requirements, are Chinese mainland residents, have stable income, good repayment ability and good personal credit information, they can handle related businesses.

Credit loan refers to the borrower's credit as the basis for issuing loans, and you can apply for loans only by relying on your own reputation, with the borrower's credit degree as the repayment guarantee. Specific loan process: 1. Apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the customer service of the bank or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents. 2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link. 3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant. 4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval. 5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. Microfinance: With the development of the Internet and big data, many people around you have started to borrow money online. Some have capital turnover to do business, and some have loans to support loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay off the small loan in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. But according to experience, 95% banks will ask you to repay small loans when actually handling loans. After the mortgage is approved, you can apply for a small loan. Therefore, you must consult the relevant questions before buying a house, because there are many cases in which the small loan is unclear. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some small loans, such as computer installment and mobile phone installment. No matter the amount, you must pay it off before you can apply for a mortgage, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.