Is CITIC Bank's letter-second loan reliable?

Reliable. Letter-second loan is a personal credit product launched by CITIC Bank for users with good credit. The maximum applicable amount is 300,000 yuan, and the service life is divided into 1 month, 3 months, 6 months and 65,438+2 months. Applicants can choose the appropriate repayment period according to their own economic ability. The loan method can be monthly interest payment or one-time repayment of principal and interest at maturity, daily interest payment, borrowing or prepayment.

First, the specific application conditions:

1. The applicant must be between 20 and 55 years old, have full capacity for civil conduct and have good personal credit.

2 have a stable job and economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. you must pay the provident fund or social security for two consecutive years. If you have a mortgage in another bank, you need to repay it normally for more than three years;

4. There is a record of paying wages in CITIC Bank for at least 6 consecutive months, and there is a mortgage in CITIC Bank, and the continuous repayment is more than 1 year.

Two. Specific operating procedures:

If you meet the above conditions, you can download the online banking of CITIC Bank, then log in to your account, find the personal loan in the menu bar and drop it down to enter the loan application, and you will see the application entrance of the letter second loan, then fill in the authentication information according to the relevant prompts and wait for the audit result. China CITIC Bank will grant the loan amount according to the applicant's personal qualifications, and the specific interest rate will vary from person to person. If the applicant has good qualifications, the loan interest rate will be lower, and the final interest rate will be subject to the audit standards of CITIC Bank.

Three. Reasons for rejecting the application for the second loan:

1. Most likely, there is something wrong with your credit information. Maybe many people don't know yet. You can log in to the central bank to check personal credit. If there is a stain on the credit report, it will definitely be rejected.

2. The bank can't contact the applicant. If your mobile phone number left in the bank is incorrect, the bank will not be able to contact you and will be rejected. Finally, if the application and resignation overlap, it will also affect the approval.

Banks will not agree to lend to high-risk people.

4. Do not meet the application conditions mentioned above.