Hello, the application conditions of CITIC Bank's second credit loan mainly include four aspects, including the applicant's age, group, access conditions and credit information.

1. Age: The applicant must be between 20 and 55 years old and have full capacity for civil conduct.

2. Applicants: The requirements for wage earners must be that CITIC Bank pays the provident fund, wages, tax bills and social security for customers; Or the user must be a mortgage customer of CITIC Bank or other banks.

3. Access conditions:

① If you are a mortgage customer of CITIC Bank, you need to wait for the mortgage loan before you can apply for a second loan;

(2) If it is a mortgage customer of other banks, it is required to have been mortgaged in other banks for more than 2 years before applying for a second loan;

(3) Customers of China CITIC Bank who pay social security or provident fund need to pay a deposit base of 5,000 yuan for 12 months continuously before they can apply for a credit loan. Any of these three conditions can be met.

4. Credit requirements:

① There are no more than three credit institutions in the credit investigation;

(2) The total credit line of the credit loan shall not exceed 6,543,800+0,000;

③ What was the number of credit inquiries in the past three months? 5 times;

(4) The credit card usage limit shall not exceed 80%;

⑤ No current overdue; No 1 in the last three months, no 2 in 1 year and no 3 in two years.