In need of capital turnover, many people choose to apply for loans from banks. Many friends ask, does ICBC have credit loans now? In fact, ICBC provides two types of credit loan services, one is personal credit loan and the other is ICBC Yi loan. Next, the editor of Jintou will introduce whether ICBC has credit loans?
Personal Credit Loans
Personal Credit Loans are RMB credit loans issued by the Industrial and Commercial Bank of China to customers with good credit that do not require guarantee.
ICBC Personal Credit Loans How to get financing?
①The borrower prepares relevant materials and submits a loan application.
②If the bank examines the completeness, authenticity, or insufficient information of the borrower's information, it will explain the reasons to the applicant and request Supplementary information.
③Evaluate the lender’s assets, cash flow, liability list, credit status, fund use plan, repayment method, etc.
④Users and banks that meet the borrowing conditions The loan contract is signed, and the bank issues the loan to the borrower.
⑤ The borrower repays on time, and the post-loan management work of ICBC personal credit loan includes post-loan supervision, post-loan supervision, post-loan follow-up inspection, and default loan collection and post-loan customer service, etc.
ICBC Personal Credit Loan Conditions
① Aged between 18-60 years old, with full civil conduct content, good credit, no default record and other Bad interest.
②Have a stable job and sustainable income, with sufficient repayment conditions and good willingness to repay.
③Achieve a B level in the ICBC retail internal evaluation system For the above risk level, the customer star rating is above 4 stars.
In addition to the above basic conditions, personal credit loans also need to meet one of the following conditions:
① Personal pre-tax annual income reaches more than 200,000 yuan, or the household net assets reaches more than 3 million yuan.
② In the past 6 months, the daily average financial assets have been more than 500,000 yuan.
③ICBC is not The cumulative amount of personal loans from the pawn shop is more than 1 million yuan, and the repayment record has been good for the past two consecutive years.
④ ICBC personal banking, wealth management, Peony Platinum Card or asset management account customers.
< p>⑤ Senior managers and senior professional and technical personnel of high-quality legal persons or institutional customers of ICBC.ICBC Yidai
Yidai is a personal bank debit card held by ICBC Credit card (or passbook) and credit card customers will be provided with credit consumption credit services in accordance with certain rules when making card purchases or online shopping at ICBC merchants.
Application conditions:
1.18 (inclusive) - 70 (inclusive) years old, a natural person with full capacity for civil conduct.
2. High-quality customers with good credit, such as salary agency customers who meet the conditions of ICBC, etc.
3. ICBC debit card (or passbook) or credit card holders.
Loan amount: You can apply for a purchase of more than 100 yuan, and the maximum loan amount can be up to 200,000 yuan.
Loan term: There are 4 terms: 6, 12, 24, and 36 months.
Loan interest rate: According to the regulations of the People's Bank of China, the benchmark interest rate for loans at the same level will increase by 10% during the same period.