Introduction

　　Scan a QR code in 1 second, apply in 1 minute, and receive funds in 1 minute

　　Target Audience

　　Available to all customer groups.

　　Loan Purpose

　　For business operations as well as general personal and household consumption, including home renovation, vehicle purchase, parking space purchase (non-property right), travel, wedding expenses, home appliance purchase, advanced studies, purchase of durable consumer goods, education, online shopping, and other related expenditures.

　　Loan Amount

　　Up to RMB 1,000,000 (inclusive)

　　Loan Term

　　Up to 7 years (inclusive)

　　Interest Rate

　　The Annual Percentage Rate (APR) ranges from 3% to 12%. The final rate is determined based on factors such as the borrower's credit profile, repayment capacity, and overall relationship with the bank.

　　Eligibility Criteria

　　1. Must have full capacity for civil conduct.

　　2. Must hold a second-generation People's Republic of China Resident ID Card.

　　3. For Consumer Loans: Male applicants aged 23-63; Female applicants aged 23-57.

　　For Business Loans: All applicants aged 22-65.

　　4. Applicants for business loans must hold a valid business license.

　　Warm Reminder：

　　Content on this page is for reference only. Some services are subject to the announcements and specific regulations of local branches. Due to policy adjustments or variations in customer credit standing, final amounts, terms, and rates are subject to the bank's approval.