If the borrower wants to apply for a second letter loan at CITIC Bank, the user can do it according to the requirements of CITIC Bank after meeting the loan conditions of the second letter loan. Before applying for the second letter loan, the borrower needs to apply for Ukey at CITIC Bank, then log in to the online bank of CITIC Bank with Ukey, find the second letter loan interface, fill in the information as required, confirm the application and obtain the loan amount.
Generally, after obtaining the loan amount, the loan amount is valid for 24 hours, and the borrower can directly initiate the withdrawal application within the validity period, so that the withdrawal can be made.
Credit conditions of CITIC Bank's second loan
Although CITIC Bank does not need mortgage guarantee, borrowers can borrow with personal credit, but it also needs borrowers to meet certain loan conditions. The specific loan terms of CITIC Bank are as follows:
1. The borrower must be between 20 and 55 years old and have full capacity for civil conduct;
2. The borrower needs to have a good credit status and no bad credit record;
3. The borrower has a stable job and income.
Users who meet the above basic conditions also need to meet any of the following conditions:
1. The borrower has continuously paid the provident fund or social security for two years (including individual merchants or self-paying users);
2. The borrower has a record of wage payment at CITIC Bank for at least 6 consecutive months;
3. The borrower has a mortgage loan with CITIC Bank, which has been repaid normally for more than one year;
4. The borrower has made mortgage repayment in other banks, and the repayment has been normal for more than three years.