Online application, the procedure is relatively simple, and there is no need for additional diplomatic and economic proof. Banks can check the landlord's comprehensive situation online, as well as CCB's silver shield (like a USB flash drive), which was approved in five working days at the earliest, without face-to-face signing. If there is no online silver shield, it usually takes about 10 days for approval, and then bring your ID card to the outlet for face-to-face signing. If these efforts are not much or not much, this method is not recommended.

You need to bring your ID card and retirement salary certificate to the outlet. If you can attach some economic proof (such as real estate, driving license or deposit), it will be very helpful to get the card and check the limit. If the information is complete, it will generally be approved within 20 working days (almost one month) after the application.