Xinyi loan. According to official website of Shanghai Bank, the maximum amount of "Xinyi Loan" is 200,000 yuan, the annualized interest rate is 7% to 13, and the longest term is 3 years. The repayment method is interest priority, and there is no penalty interest for early repayment, and the loan is made to a personal account. The application conditions include the age of 24 to 55 years old, having a stable job and income, being a wage earner, requiring no more than 5 inquiries within 1 month, no more than 7 inquiries within 2 months, no overdue, no more than 3 times within one year, and no more than 70% credit card usage limit.