Credit conditions of CITIC Bank: 1, the borrower is between 20 and 55 years old, with full capacity for civil conduct and valid identification; 2. Personal credit information is good; 3. The borrower has a stable job and income and can repay the loan principal and interest on time; 4. Target groups meeting the requirements of banks; 5. Other conditions stipulated by the bank.

The target customers of CITIC Bank's second loan include CITIC Bank's payroll customers and AUM customers; Customers who have paid provident fund and social security in areas where credit loans have been opened; Real estate holders (including housing mortgage customers, real estate mortgage customers of China CITIC Bank, etc.). ); Other customers who meet our requirements.

The maximum loan amount of CITIC Bank is 300,000 yuan, the longest single loan period is 12 months, and the single loan period of quality customers can be extended to 36 months. Support monthly interest payment, due repayment (loan support 12 months or less), monthly interest payment, annual repayment (loan support 12 months or more), equal principal and interest, average capital and other repayment methods.

The credit second loan of CITIC Bank can only be used for production, operation or personal consumption agreed in the loan contract, and shall not be used for other purposes such as house purchase and investment. After borrowing, you must pay it back on time, and there can be no overdue situation, because there will be penalty interest after the overdue, and personal credit information will become worse.