1. Can Industrial and Commercial Bank of China lend money?

Industrial and Commercial Bank of China can lend money. As one of the five major banks in China, ICBC provides business for both personal loans and corporate loans. Borrowers can Apply for and handle loan services through ICBC mobile banking, online banking, and ICBC counters. Industrial and Commercial Bank of China (INDUSTRIA LAND COMMERCIAL BANK OF CHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. ICBC is the largest credit card issuer in China and one of the issuers with the most complete range of credit card brands. New products such as Euro Credit Card, Peony Express Business Card, Peony UnionPay Card, Peony Sports Card, and the new version of Peony Transportation Card have been launched successively; the establishment of channels such as business outlet service system and VIP customer service center has been promoted; the Bank has actively selected overseas institutions to issue cards as agents, and further strengthened cooperation with Cooperation with international card organizations. At the end of 2007, the number of credit cards issued was 23.38 million, with a consumption amount of 161.9 billion yuan, and it continued to maintain its leading market position in both card issuance volume and consumption amount. The credit card overdraft balance was 8.241 billion yuan, an increase of 59.5%. ICBC actively promotes the promotion and application of chip cards. As of the end of May 2012, ICBC had issued more than 5.5 million various chip cards, ranking first among domestic peers. Among them, the number of chip credit cards issued reached 5.38 million, an increase of 1.11 million from the beginning of the year, an increase of 26%. The number of chip debit cards such as Elite Club account chip cards was nearly 130,000. At the same time, ICBC has also made great efforts to improve the chip card acceptance environment. More than 90 of ICBC's self-service machines can accept chip cards, laying a solid foundation for the further popularization of chip cards. Compared with traditional bank cards using magnetic stripes, each chip card is equipped with a microcrystalline chip, which greatly increases the card's information storage capacity. It can not only realize all the financial functions of ordinary magnetic stripe bank cards, but also provide customers with Personalized intelligent services such as offline transactions, contactless transactions, membership management and points management. At the same time, the chip card has further upgraded its anti-counterfeiting technology and has higher security. ICBC is one of the earliest commercial banks in China to start research and development of chip bank cards. It has long maintained its leading position in the industry in areas such as chip card technology research and development, industry cooperation, and card issuance scale.

2. Can individuals get a mortgage loan from ICBC?

Personal credit loans are RMB credit loans issued by the Industrial and Commercial Bank of China to borrowers with good credit without providing guarantees.

☆Service Features

As long as you maintain and have good personal credit, you can obtain a certain amount of bank loans without guarantee. Customers who meet specific access customer conditions can also enjoy more preferential services.

☆Application conditions

1. Chinese citizens who have a fixed residence in China, a permanent residence in a local town, and full capacity for civil conduct;

2. Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, have no illegal activities or bad credit records;

4. Obtain a personal credit rating of A- or above from ICBC;

5. Open a personal settlement account at ICBC;

6. Other conditions stipulated by the bank.

In addition to meeting the above basic conditions, borrowers who also meet one of the following specific access conditions are special access customers for credit loans:

(1) Those who are high-quality corporate customers of ICBC Middle and senior managers and senior professional and technical personnel;

(2) Individuals with self-owned assets of more than 2 million yuan (inclusive);

(3) Peony Platinum Card customers;

(4) Hold an ICBC personal wealth management account for more than 1 year (inclusive) and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);

(5) Be an industrial and commercial banker Bank personal loan customers with a loan amount of more than 500,000 yuan (inclusive) and no default repayment record for more than 2 consecutive years (including customers whose loans have been settled).

☆Loan amount

The starting point for the loan amount is 10,000 yuan, and the maximum does not exceed 500,000 yuan (inclusive).

☆Loan term

The loan term is generally 1 year (inclusive) and the longest is no more than 3 years. Personal credit loans are generally not extended. If the loan cannot be repaid on time due to force majeure or accidents, it can be extended once with the consent of the bank if the loan period is within 1 year (inclusive). The extension period shall not exceed the original loan period and the cumulative loan period. (including extension period) shall not exceed 1 year.

☆Loan interest rate

The loan interest rate is based on the benchmark interest rate for loans of the same period and grade stipulated by the People's Bank of China.

☆Repayment method

If the loan period is within 1 year (inclusive), the repayment method is monthly interest payment, monthly, quarterly or one-time principal repayment; loan period If it exceeds 1 year, the repayment method is monthly principal and interest payment.

☆Information that should be submitted when applying for a loan

When a borrower applies for a personal credit loan from a bank, he or she must fill in the application form in writing and submit the following information:

1. Valid identity document;

2. Proof of residential address (household register, etc.);

3. Personal professional certificate;

4. The loan applicant and Proof of income of family members;

5. Other information required by the bank.

Depending on the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) Written certification of position and professional and technical level issued by the human resources department of the high-quality legal person client unit.

(2) Certificates of various financial assets owned by individuals such as bank deposits, bonds and funds; ownership certificates of real estate in the name of the individual (or spouse).

(3) Peony Platinum Card customer information.

(4) ICBC elite financial account customer certification materials.

(5) ICBC personal loan contract text.

☆Operation Guide

The bank issues loans to the borrower’s designated personal settlement account by transfer. (The above content is for reference only. The specific processing standards are subject to the regulations of the local branch of the Industrial and Commercial Bank of China. To save you time, please consult the local Industrial and Commercial Bank of China in detail before completing the relevant procedures.)

3. Industrial and Commercial Bank of China How to borrow a credit card loan?

ICBC credit card loan process is as follows:

1. First, the cardholder downloads the ICBC Mobile Banking APP.

2. Then open and log in to the ICBC Mobile Banking APP. If it is the first time to log in, you should also complete the registration first.

3. After logging in, find the "Credit Card" option on the home page of mobile banking.

4. Click the "Credit Card" option to enter. After entering the page, you can see the "Cash Installment" option, click "Cash Installment".

5. You can see the available loan amount and click "Apply Now".

6. Fill in the amount to be borrowed according to the prompts on the page, select the repayment method and loan period, then enter the mobile phone number, enter the correct verification code, and click "Next" to submit the credit card loan application.

IV. The grace period for ICBC mortgage loans expires

The grace period for ICBC mortgage loans means that after the loan repayment period is reached, the bank gives the borrower a certain buffer period to allow the borrower to Delay repayment or part of the loan to ease the burden. During this period, the customer does not have to repay the principal, let alone interest. However, there is a grace period for repaying the principal and interest, otherwise it will affect the mortgage loan. After the grace period expires, you must repay the loan on time to avoid additional interest and penalties, and maintain your personal credit record.