Compared with long-term loans, CITIC Bank's Dream Fund is easier to apply for. According to relevant public information, applicants for the Dream Scholarship of CITIC Bank can apply if they meet the requirements. Applicants for long-term loans need to be audited by banks, and applicants need to have stable work and repayment ability. Therefore, compared with long-term loans, CITIC Bank's dream loan is easier to apply for.