1. Conditions: The borrower must repay the loan for more than six installments normally from the loan issuance date. By the date of applying for prepayment, the loan cannot be overdue or defaulted. If the borrower applies for partial prepayment, the prepayment amount must be an integer multiple of 1 1,000 yuan.

2. Fees: Whether CITIC Bank charges liquidated damages for prepayment is decided by the branch according to the local market conditions. In some areas, CITIC Bank collects liquidated damages for early repayment of credit cards by installments.

3. Handling method: The borrower can bring ID card, loan contract and other relevant information to the bank counter for prepayment, and the borrower can also log on to online banking and mobile banking of China CITIC Bank for prepayment.