To apply (the loan applicant is a natural person with full civil capacity in China, aged from 18 to 60 years old), the loan applicant must meet the following conditions:

1, with local permanent residence or valid residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. Take the assets recognized by CITIC Bank as pledge or mortgage;

4. The purpose of the loan is to decorate the house, go for a family trip or buy large household durable consumer goods (large household durable consumer goods refer to household durable goods with a unit price of more than 2,000 yuan (inclusive) and a normal service life of more than two years, including household appliances, furniture, kitchen utensils, sanitary ware, computers, musical instruments and fitness equipment. , excluding housing and fitness equipment.

5. Others