1. Prepare the valid ID card, work certificate, income certificate and loan purpose certificate required for the loan, and go to the local CITIC Bank business outlet to handle it.

2. Fill in the loan application form at the outlet and submit relevant loan materials.

3. The bank will review the application and loan information before making the next payment.

4. After the bank loans to the designated account, the borrower can repay the loan as agreed in the contract.