Personal Banking



“Easy Loan” business (“Easy Loan”) is mortgage or credit loan that XIB issues efficiently to eligible natural person customers and which is used for the lender’s daily consumptions. Such loan must be used for purposes conforming to laws, regulations and relevant national policies, and XIB will not issue personal loans without designated purposes.



1、 People aged 25 or above with stable job and income.

2、 The maximum amount of a mortgage loan shall not be higher than RMB 5 million, and that of a credit loan shall not be higher than RMB 500,000.

Simple procedures and rapid approval within 5-7 business days.

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