According to Cai Xi's survey. Com, CITIC Bank credit loan refers to the personal credit loan provided online by CITIC Bank for the production, operation or consumption of individual customers who meet the credit conditions, and the minimum annual interest rate (simple interest) is 4.35%. The application conditions for the credit loan of CITIC Bank mainly include the following points:

The applicant is between 20 and 55 years old and has full capacity for civil conduct;

Personal credit status is good, and there is no major bad record on credit information;

Have a stable source of work income and be able to repay the loan principal and interest on time;

It is a customer group suitable for letter-second loan. Applicable customer groups mainly include:

Banks pay payroll customers and AUM customers;

Customers who have paid provident fund and social security in the business area;

Real estate holders (including housing mortgage customers and the Bank's real estate mortgage customers);

Other customers who meet our requirements.

The application process of CITIC Bank's credit loan mainly includes the following steps:

Log in to CITIC Bank official website or mobile APP, and select "Personal Loan"-"Trust Second Loan";

Fill in personal information and loan information and submit an online application;

Waiting for the system to automatically review and obtain the credit line and interest rate;

Confirm the loan contract and sign the electronic agreement;

Borrow money to the designated account and start repayment.