1. What are the conditions for ICBC mortgage application in 2021?
1. Have a good credit report and have not had 3 or 6 overdue payments within 5 years
2. Have a job, please come to work to prove it.
3. Have a check-in salary statement
4. Have the qualifications to buy a house in Wuhan. Wuhan household registration, social security for at least 2 years. Just satisfy any one of them.
5. All houses have property rights, clear property rights, and are no more than 20 years old.
2. Can I get a loan with an ICBC salary card? ICBC Salary Card Loan Conditions
As we all know, ICBC Salary Card is a salary card. In addition to the basic financial functions of an ordinary savings card, it can also enjoy a variety of value-added services, such as easy loan services and preferred insurance products. , customized exclusive financial management funds, etc. So, can I get a loan with an ICBC salary card? What conditions are needed? Let’s find out together below.
Can I get a loan with an ICBC salary card? Of course it is possible. As mentioned earlier, salary card holders have priority in enjoying ICBC Yidai service, and this Yidai is a credit-type consumer credit service issued by ICBC to debit card holders and credit card holders of the bank. It has been approved. You will then be issued a Yidai credit card, and the loan limit will be transferred to the Yidai credit card. You can use the Yidai credit card to swipe your card for consumption at designated merchant POSs. Of course, in addition to applying for Yidai, salary card holders can also apply for other personal loans, such as personal housing loans, personal business loans, personal consumption loans, etc. No matter which loan you apply for, a salary card holder must meet these basic conditions for a loan: 1. A natural person aged 18-65 or above, with full capacity for civil conduct 2. A monthly salary, working and living locally 3. Current employer Officially registered employees and working for 6 months 4. 10-15 times the monthly income of a general approved loan 5. A white household must have a check-in salary of more than 3,000 yuan (social security and provident fund must be the same) or enterprises, institutions, and civil servants do not have social security , Provident Fund In addition, you also need to provide these materials to the bank, including valid ID card, work permit, income certificate, personal statement for the past six months (valid within 10 days), house book or house purchase contract and other materials. The bank will notify the loan applicant after approval .
3. ICBC Salary Loan Conditions
Loans only require a guarantor. With credit certificates, loan financing becomes easier for friends. If you don’t know anything about loans, go to the "Little Rainmaking" website. (1) Chinese Resident ID Card (2) Address Proof Document (3) Work Proof Document Salaried Persons: Labor Contract/Self-Employed Persons and Private Owners: Business License for one year. (4) Income proof documents Salaried persons: Salary records from my bank in the past three months (such as passbooks) or personal income tax slips or income certificates or pay stubs issued by the company (need to be stamped with human resources or financial seals) that meet the above criteria After meeting the conditions, just submit the application information to the bank, and the bank will review and decide whether to lend.
IV. ICBC Salary Loan Conditions
ICBC offers many types of loans with different application conditions. Please consult your local outlet for details.
For personal credit loans, you can apply for e-financing, which must meet the following conditions:
1. Chinese citizens with full civil capacity and over 18 years old;
2. The applicant’s work unit or habitual residence should be at the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or reliable repayment guarantee.
Warm reminder:
ICBC will conduct an review based on your comprehensive situation, and the final approval result shall prevail.
(Answer time: June 11, 2019. In case of business changes, please refer to the actual situation.)