What is the maximum limit for an ICBC credit card (debit card)?
The maximum limit of the ICBC credit card (debit card) can reach 10 million yuan. The limit of regular cards is generally between 1,000-10,000 yuan, the limit of gold cards is generally between 10,000-50,000 yuan, the limit of platinum cards is generally more than 50,000 yuan, and the maximum limit of black gold cards can reach 10 million yuan.
The limit of the ICBC credit card (debit card) is the credit limit given by the applicant through various evaluations. The evaluation items include: work, credit record, education level and asset status, etc. The better the evaluation item, the higher the credit card (credit card) limit. What is the general loan limit of ICBC?
As one of the four major state-owned banks, ICBC has strong capital and is a very safe choice for people who need loans. Many people are asking, what is the general loan limit of ICBC? It is understood that different loan types have different loan amounts.
Rong e-borrowing
Amount: Starting from 600 yuan, the maximum amount is 800,000 yuan. Rong e-borrowing is an unsecured and unsecured RMB loan issued to borrowers who meet specific conditions for personal legal and compliant consumption purposes. One-year loan interest rate and loan interest rate of more than 10,000 yuan, the daily interest is about 1 yuan.
First-hand personal housing loan
Amount: up to 70% of the market value of the house purchased. ICBC's first-hand personal housing loan has a maximum term of 30 years. As long as you are between 18 (inclusive) and 65 (inclusive), have a good credit record and a willingness to repay, you can apply for our housing loan. In addition, the sum of the borrower's age and the loan term must not exceed 70 years.
Personal household consumption loan
Amount: up to 1 million. Personal home consumption loans are RMB loans used for home decoration, decoration, and purchase of home decoration materials, durable consumer goods, and other large-value consumer goods. Guarantees can be provided in various ways such as mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee.
Personal business loan
Amount: The maximum loan amount is 3 million yuan. The above are the limits of some of ICBC's loan products. If you want to know the general loan limits of ICBC, you can visit the official website of ICBC to check. But when you go to a bank to get a loan, complicated procedures are inevitable. If you encounter a bank with low service efficiency, you may not be able to get the loan in a month. It can solve this trouble for you. Click and you will be matched with a suitable credit manager to serve you in one minute. It has rich varieties and low threshold! ICBC Personal Credit Loan Application Conditions and Quota
Personal credit loan is a RMB credit loan issued by the Industrial and Commercial Bank of China to customers with good credit without providing guarantee.
Loan amount and term: The starting amount of the loan is 10,000 yuan, and the loan term can be up to 3 years. It has a revolving loan function: apply once, use it repeatedly, borrow and repay at any time, convenient and fast, and can realize self-service issuance of loans through merchant POS and online banking and other channels.
ICBC personal credit loan application conditions: 1. Chinese citizens with full capacity for civil conduct, aged between 18 (inclusive) and 60 (inclusive). 2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) for the location of the loan bank. 3. Have a stable source of income and the ability to repay the principal and interest of the loan in full on schedule. 4. Have a good credit record and willingness to repay, without any illegal behavior or bad records. 5. Obtain a risk level of B (inclusive) or above in the ICBC retail internal rating system. 6. For existing ICBC customers, the customer star rating should be 4 stars (inclusive) or above. 7. Open a personal settlement account at ICBC. 8. Other conditions specified by the bank. In addition to the above basic conditions, one of the following conditions is also met: (1) Senior management personnel and senior professional and technical titles from high-quality legal persons or institutional customers of ICBC. Among them, high-quality legal persons or institutions that are ICBC payroll clients must be regular employees with more than three years of working experience (inclusive) in the above-mentioned units, or personnel with the military rank of major (inclusive) or above in the garrison or armed police force. (2) ICBC Private Banking, Wealth Management, Peony Platinum Card or Elite Club account customers.
If you are an Elite Club account customer, you must hold the ICBC Elite Club account card for more than 1 year (inclusive), and the quarterly average daily balance of financial assets in your name with ICBC in the past year is more than 200,000 yuan (inclusive). (3) The cumulative amount of non-pledged personal loans from ICBC is more than 1 million yuan (inclusive), and there is no overdue record (including settled loans) for more than 2 consecutive years (inclusive). (4) My family has net assets (real estate and financial assets) of more than 3 million yuan (inclusive), or has continuously owned financial assets in the past 6 months with an average daily financial assets of more than 500,000 yuan (inclusive). (5) High-quality personal customers of other banks who are no lower than the admission standards for ICBC Private Banking, Wealth Management or Peony Platinum Card. (6) Personal pre-tax annual income of more than 200,000 yuan (inclusive).
ICBC personal credit loan application materials: 1. Valid identity documents and proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc.) for myself and my spouse. 2. Proof of personal household registration (household register or other valid proof of residence). 3. Proof of income and occupation. 4. Proof or statement of the purpose of the loan, and a commitment that the loan will not enter the securities market, futures market, or be used for real estate development or equity investment, and shall not be used for borrowing to obtain illegal income; 5. If the application conditions (1) are met, additional information must be provided Valid job title certificate from the employer or professional and technical level certificate issued by relevant national departments. If the borrower is only a payroll client of ICBC, the borrower must also provide the labor contract signed by the borrower's workplace. 6. Those who meet the application conditions (2) to (5) must also provide various accounts, financial asset certificates and property ownership certificates owned by themselves. 7. If you meet the application conditions (6), you must also provide a one-year personal income tax payment certificate issued by the local tax department. 8. Other information required by the bank. How much money can I borrow with an ICBC credit card? It mainly depends on the product
ICBC credit card has many functions. In addition to overdraft consumption, it can also handle some financing services, which can be regarded as taking out a credit card loan. Many people want to know how much money they can borrow. This depends on what kind of business they are dealing with. There are three products to choose from, with different loan amounts. Let’s take a look.
1. Rong e-loan is most similar to the ICBC credit loan. It is an additional credit card special installment limit provided by ICBC. The maximum limit is 300,000 yuan. Depending on the qualifications, the limit given by the bank is also different, but generally The limit is slightly higher than the credit card limit, at least 10,000 yuan, and the credit card limit will not be occupied after processing. ICBC e-Loan is famous for its low interest rates. From February 8 to March 31, 2020, newly applied ICBC e-Loan loans are available at a fixed preferential price per year. Friends in need of funds may consider it.
2. Urgent money is actually the overdraft transfer service of ICBC credit card. Except for the different processing methods, it is no different from credit card cash withdrawal. The limit is linked to the credit card limit. The maximum application limit is 50% of the available limit, that is, 1 For a credit card worth 10,000 yuan, you can only transfer up to 5,000 yuan to a savings card. Urgent money accrues interest on a daily basis, with a daily interest rate of 5/10,000, and a 1% transfer fee. Because it must be repaid in full on the last repayment date, it is only suitable for short-term capital turnover.
3. Instant credit refers to the cash installment business of ICBC credit cards, and is only available to the principal cardholder (except for individual cards such as Yidai and official cards). The limit is also related to the credit card fixed limit, which is up to 50% of the total credit card limit and does not exceed RMB 100,000. There are 3 months, 6 months, 9 months, 12 months, 18 months, 24 months, There are several 36-month installment options, interest-free but not free, and you need to pay an installment fee.