中信银行推出主动授信业务

Citic bank launched active credit business

Mortgage is a part of and want to buy big, how to do? Bought a financial product hasn't expired, suddenly have something urgent need money? In view of the customer short-term cash needs, citic bank recently for the VIP customers, housing mortgage HOME card customers introduced active credit business, the highest loans for 100000 yuan.

To the ordinary families, the house is often the main family assets, make full use of the major assets, is an important link of the family financial consumption. But for a long time, through the mortgage mortgage loans, the vast majority of family this part of the assets were frozen. Even if the family has pay most mortgages, but because did not remove mortgage, the loan has been part of the assets cannot be used for household consumption spending. It also affects the social consumption to raise the level of total.

In addition, some customers buying on financial products, don't have more spare money, sometimes want to buy a big also puzzled.

Therefore, citic bank to VIP customers, housing mortgage HOME card launched active credit business. That give have not settle mortgage customers and VIP customer certain consumer loans, the line with customers at the bank of multiple assets linked. So the customer can meet certain conditions, to the card the way, domestic consumption, consumption amount shall be automatically converted into personal loan.

According to the citic bank retail k, relevant controller introduces, housing mortgage HOME card customers as an example, the customer to consumer loan amount, in principle, no more than the original housing loans have been loan repayment of the principal, and the highest do not exceed 100000 yuan, HOME card consumption loans with the original housing loan balance additive not more than 70% of the property value. The borrower can use HOME card through the designated commercial POS for brush calorie of consumption.

It is reported, citic bank HOME card is citic bank to issue to the society, the first for housing mortgage loan customer exclusive card. Card medium the financial IC chips and magnetic stripe of two parts complex IC card. Two kinds of transaction medium in the banking system inside, Shared a master account. As citic HOME series of carrier, citic HOME card service content, covering housing asset management services, platinum customers exclusive value-added services, IC card convenient pay cost identification function and each city and joint business discount activity service. At present, citic bank all mortgage customers, all can go to the site free upgrades become HOME platinum customers.