If you apply for CITIC Dream Realization Fund of 100,000 yuan for 36 months, the total handling fee incurred is 0.75%*100000*36=27,000 yuan, the monthly amortized handling fee is 750 yuan, and the monthly principal repayment is about is 2777.8 yuan, and the monthly repayment amount is approximately 3527.8 yuan.

Many people think that once you apply for the Dream Fund, you will use it, but this is not the case. Yuanmengjin is just a reservation installment. When applying, you need to select the starting amount of the installment and the number of installments. It is just for registration. The actual usage amount needs to be paid by swiping the card, and the installments are based on the actual amount used.

For example, Yuan Meng Jin 100,000 yuan is the maximum installment amount, but in fact only 30,000 yuan is paid, then the 30,000 yuan will only be divided into 36 monthly repayments, and the handling fee will also be based on 30,000 yuan. The amount is calculated, and the repayment is only the principal of 30,000 and the handling fees incurred. There is no need to repay the remaining unused 70,000 yuan, and there is no need to pay handling fees.

Extended information:

CITIC Credit Card Dream Gold is provided to high-quality credit card holders after the single consumption amount at specified types of merchants within a certain period reaches the initial installment amount. Consumption installment service with automatic installment payment. Yuanmengjin is mainly used to meet customers' large-amount consumption needs. After customers apply for CITIC Credit Card Yuanmengjin, they will first use the temporary limit when making purchases, then use the credit card's fixed limit, and then automatically complete the installment.

CITIC Credit Card Dream Gold Application:

To apply for Dream Gold, customers can directly search the official website of CITIC Bank on Baidu, then enter the official website, log in to personal online banking, and find Dream Gold on the credit card page product, follow the instructions on the page to apply.

Customers can also log in to the CITIC Bank mobile banking client and credit card APP "DongCard Space" on their mobile phones to apply.

You can also call CITIC Bank’s credit card hotline at 400-889-5558 and apply for the Dream Realization Fund from the customer service staff through the manual service channel.

If there is a CITIC Bank branch near where you live, you can also go to the counter of the branch to see the staff to apply for the Dream Fund.

The application conditions for Yuanmengjin are as follows:

1. You must hold a credit card from China CITIC Bank and have spent more than 6 months with the card;

2. During the period of using the card, the consumption and repayment records must be good;

3. The cardholder must have a stable job and source of economic income.

It can be seen that the conditions for the Dream Gold are not high. Generally, if the system shows that you are qualified, there is a high chance that your application will be successful. As long as you use CITIC Bank's credit cards more often, maintain good card usage behavior, and improve your credit rating, you can basically apply for the Dream Gold successfully.

As long as an individual's comprehensive qualifications are good, he can easily get a higher score during the system evaluation and be approved for a higher quota. Moreover, CITIC Bank will also grant exclusive Dream Gold quotas to qualified high-quality customers from time to time.