中信银行个人经营贷款便捷灵活

　　在经营过程中，中小企业主和个体工商户常会因资金短缺而坐失商机，中信银行推出的个人经营贷款可助中小企业主、个体工商户解燃眉之急。

　　据介绍，中信银行个人经营贷款为投资者提供一条便捷的融资渠道，用来补充企业周转资金，扩大再生产。这种贷款手续便捷：只要客户提交的资料齐全，一般10个工作日中信银行就可完成从调查到放款全部流程。这种贷款方式灵活：办理最高额抵押贷款，只需一次抵押，资金可在一定期限内无限次周转循环使用，有钱就还，用时再借，大大节省贷款利息;多种还款方式，客户可根据自身需要，随心选用;多种担保方式，中信银行可根据客户需求提供专属的融资方案和其他个人金融服务。

　　与面向公司法人的企业融资产品相比，中信银行个人经营贷款主要审核经营者的个人信用，只要提供借款人身份证明、营业证明、还款能力证明、贷款用途等材料即可申请。中信银行将根据借款人资信和所控制企业资产规模、生产经营情况、还款能力、担保方式、贷款用途等方面综合确定贷款额度，额度没有限制。如采用房地产抵押方式，贷款金额最高可达抵押物价值的70%。

　　自中信银行重点推出个人经营贷款后，已成功为不同行业的中小企业主和个体经营者办理了此项业务，及时解决众多经营者资金周转上的难题，特别是其相对低廉的融资成本，贴心的客户服务，得到了广大经营者的称赞。?

China citic bank personal business loan is convenient and flexible

 

In the process of business, small and medium-sized entrepreneurs and individual businesses often miss great opportunities because of lack of money, citic bank launched personal business loan can help small business owners, individual and industrial and commercial door a lifesaver.

 

According to introducing, citic bank personal business loan for investors to provide a convenient financing channels, to supplement working capital enterprises, and expand production. This convenient loan procedures: as long as the customer submitted information is complete, generally 10 working days can be completed from the survey to China citic bank lending all process. This flexible loan: for maximum amount mortgage, just need a mortgage, unlimited funds can be in a certain period of time the turnover cycle use, rich, is also available to lend, greatly saves the loan interest; Multiple payment methods, customer can according to their own needs, as they choose; Various guarantee way, citic bank exclusive financing options are available according to customer needs and other personal financial services.

 

Compared with products for company legal person of enterprise financing, China citic bank personal credit business mainly audit the operator's personal credit, as long as the identity certificates, certificate of business borrowers, loan repayment ability certificate, use the material such as application. Citic bank according to borrower's credit standing and the control of enterprise assets scale, production and operation situation, the reimbursement ability and comprehensive ways of guarantee, loan purposes, determine the loan amount, there is no limit to the amount. If use real estate mortgage, loan amount up to 70% of the value of the mortgaged property.

 

Since citic bank key personal business loans, has successfully for small and medium-sized business owners of different industries and individual operators to deal with this business, timely solve the problem of many operators on the turnover of funds, especially its relatively cheap cost of financing, thoughtful customer service, by the vast number of operators. ?