1. The borrower has valid identity documents and proof of local residence.

2. Have a stable income and the ability to repay the loan principal and interest.

3. Have a good credit record.

4. There are assets collateral that can be mortgaged or pledged as approved by CITIC Bank.

5. The purpose of the loan is clear, and it is used for decoration, travel and purchase of goods. Housing and cars are not included.

6. Use it for corresponding purposes and issue relevant certificates.

7. Meet other requirements of CITIC Bank.

CITIC Bank loan application materials

1, ID card, household registration book, non-local household registration applicants should have a stable job in the local area and live in 1 year or more;

2. I or my family members have real estate in the local area;

3. Marriage certificate (copy/original of both husband and wife); Single should provide single proof (civil affairs bureau to produce proof); Divorce should provide divorce certificate or court judgment and proof of not remarriage;

4. proof of income; (official seal or financial seal)

5. Civil servants, employees of public institutions and state-owned enterprises are required to provide details of bank accounts of card-issuing banks in the past three months (the payroll must be stamped with the official seal or financial seal of the unit); Employees of private enterprises are required to provide the salary table for the past three months and the details of the bank card of the issuing bank or the family passbook; Individual industrial and commercial households are required to provide business licenses (after annual inspection), national tax and local tax registration certificates, and tax receipts for the last three months. If the loan amount exceeds 500,000 yuan, the articles of association and capital verification report shall be provided;

6. Original and photocopy of the down payment receipt; (Need to affix the financial seal of the developer)

7. Original car purchase contract;

8. If the household registration is inconsistent with the ID card, relevant certificates shall be issued to the local police station; 9. If the marriage certificate is inconsistent with the ID card, relevant certificates shall be issued by the local civil affairs bureau;

10. One-inch photos of major lenders and one-inch photos of participants.

CITIC Bank loan process

1. The borrower shall apply to China CITIC Bank Branch for opening a loan. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license.

2. After receiving the lender's application, the bank will review the lender.

3. Sign a loan contract with the bank through the examination and approval of the bank.

4. The bank lent money, and the lender successfully got the loan.

Credit line of China CITIC Bank

The maximum loan amount is 300,000 yuan.