Which is better, China Bank's Wealth Link or Gathering Wealth Link?

Jucaitong introduced: After individual customers sign an inter-bank fund collection agreement with ICBC, they can collect the funds of customers' deduction accounts in other banks to the account with the same name designated by ICBC without having to apply for a card. ICBC provides real-time collection and regular collection services. The signing methods of inter-bank fund collection agreement include pos with card financing and self-service channel list without card; Real-time cardless collection support channels include personal online banking, mobile banking, wealth management pos and self-service terminals, and regular collection is initiated by ICBC backstage according to the date specified by customers. The raised funds can be used to repay loans, purchase wealth management products and pay fees. Jucaitong's single collection limit is 50,000 yuan, and the daily cumulative limit is 200,000 yuan, of which the single collection limit needs to be determined according to the limits set by other banks and commercial banks, and some commercial banks need to open the card-free payment at the counter or online banking before collecting money.

"Caiyuntong" product means that China Bank accepts customers' applications on the basis of revealing risks to customers. From the date of signing the contract, when the balance of the customer's contracted account reaches the notice deposit starting point of 50,000 yuan specified by the People's Bank of China, interest will be calculated according to the actual days 1 day according to the duration of the customer's funds; Interest shall be calculated at the 7-day call deposit rate (monthly interest rate) for more than 7 days and less than 3 months, and at the 3-month call deposit rate (monthly interest rate) for more than 3 months; The product cycle is 3 months, and the contract will be renewed automatically after 3 months.

I. Product Features

1, with an initial investment of 50,000 yuan; The product cycle is 3 months, and the contract will be renewed automatically after 3 months;

2. According to the customer's fund term, the interest shall be calculated at the call deposit rate of 1 day for less than 7 days; Interest shall be calculated at the 7-day call deposit rate (monthly interest rate) for more than 7 days and less than 3 months, and at the 3-month call deposit rate (monthly interest rate) for more than 3 months;

3, the operation is simple, and the customer only needs to sign one operation step;

4. The mainstream interest rate is priced at 1/7-day notice rate, which can be extended to 3 months at most.

Second, the product example

For example, business customers can also configure the Chamber of Commerce card. At present, the Chamber of Commerce card is the most favorable card of our bank. On the one hand, it can save customers' handling fees in the self-service channel, on the other hand, customers can experience the exclusive services of our wealth management customers less; Plus the business remittance package, the rate is more favorable than the general remittance package. For example, stock market margin customers can transfer money to our bank card through mobile banking after the end of the stock market on Friday, and then transfer it on Monday to enjoy the notice deposit rate on Friday, Saturday and Sunday.

China Bank Housing Loan to Realize Your Housing Dream.

Personal first-hand housing loan refers to the commercial loan issued by the lender to the borrower with its own funds for the purchase of first-hand housing. The identification standard of the first-hand house is based on the customer's loan in the bank.

I. Loan conditions

A borrower applying for a personal first-hand housing loan must meet the following conditions:

1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Pay the down payment that meets relevant regulatory requirements;

5. Provide effective guarantee recognized by the lender; 6. Other conditions stipulated by the lender.

Two. Loan Currency: The currency of individual housing loan is RMB and foreign currency.

Three. Loan term: the longest loan in RMB shall not exceed 30 years, and the longest loan in foreign currency for individual housing shall not exceed 8 years.

Four. Loan interest rate: in accordance with the relevant provisions of the People's Bank of China.

Verb (abbreviation of verb) loan amount: the maximum amount of a single loan does not exceed 70% of the value of the house purchased. Where the relevant regulatory provisions change the amount of personal housing loans, such provisions shall prevail.

Intransitive verb loan application

To apply for a personal first-hand housing loan, the following materials shall be provided:

1, loan application;

2. Legal and valid identification materials;

3. Proof that the down payment of the purchased house has been paid;

4. Proof of economic income recognized by the lender;

5, the purchase of housing contracts, agreements or other valid documents;

6. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;

7. Other materials required by the lender.

Seven. Loan repayment

You can choose one-time principal and interest repayment, equal principal and interest repayment and average capital repayment.

After the loan contract comes into effect, if you have sufficient funds, you can apply to China Bank for partial or full prepayment.