What are the conditions for an individual to apply for an ICBC loan?

What are the conditions for an individual to apply for an ICBC loan?

1. Have a fixed residence in China and a local town Chinese citizens with permanent residence and full capacity for civil conduct;

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

3. Comply with Be law-abiding and have no illegal behavior or bad credit record;

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

5. Open a personal credit card at ICBC Settlement account;

6. Other conditions specified by the bank.

7. In addition to meeting the above basic conditions, borrowers who also meet one of the following specific access conditions are credit loan specific access customers:

(1) Be a high-quality legal person of ICBC The customer's middle and senior management personnel 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) Holding 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);

2. Processing What is the procedure for purchasing a mortgage loan?

1. Pay the down payment and sign a house purchase contract. At this time, you need to pay attention to review the "five certificates", namely: "State-owned Land Use Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit", "Construction Project Construction Permit", "Commercial Housing Sales (Pre-sale)" )license". According to regulations, commercial housing is not allowed to be sold without all five certificates.

2. Go to the bank or fill in the "Personal Housing Loan Application Form" when applying at the bank's sales department. Bring the originals and copies of the down payment receipt, "Commercial Housing Sales Contract", ID card, local household registration book (for non-local household registration, proof of temporary residence for more than one year), income certificate, etc. to the bank to fill out the "Personal Housing Loan Application Form".

3. The bank reviews the mortgage loan application. The bank's loan officers will review and approve the materials submitted by the applicant step by step. At this time, your property and your credit will be evaluated. If they are deemed to meet the bank's loan conditions, the applicant will be notified to sign a "Personal Housing Mortgage Loan" Contract", the contract period shall not exceed 30 years.

4. Go to the Housing Authority to apply for the "Certificate of Other Rights to the House" to prove that there is a bank mortgage on the property. Go to the notary department to apply for property mortgage notarization, and go to the insurance company to apply for house insurance. Banks will usually handle the above procedures for you.

5. Open an account. Customers who choose the entrusted deduction method for repayment need to sign an entrusted deduction agreement with the bank and open a special savings passbook account or savings card or credit card account for repayment at the business outlet designated by the loan bank. At the same time, the house seller must open a house sales settlement account or a special deposit account with the lending bank.

6. Use the loan. For loans approved by the lending bank, after completing the relevant procedures, the lending bank will directly transfer the loan to the borrower's deposit account opened with the lending bank in accordance with the loan contract, or transfer the loan to the house seller in one go or in installments. In the deposit account opened by the lending bank.

To sum up, many people now go to banks to apply for loans for investment or house purchase. Industrial and Commercial Bank of China is a large state-owned bank and has certain conditions for customers to apply for loans. When applying for a loan as an individual, you must not have a bad record and have the ability to repay. If you are a corporate legal person applying for a loan, you should also open a basic account with ICBC. The specific loan amount must be approved by the bank.

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How to apply for a personal loan from a bank

The process for an individual to apply for a loan at the bank is as follows:

1. The applicant prepares the information required for the application, goes to the lending bank to fill out the loan application form, and submits relevant information at the same time;

2. The lending bank conducts pre-loan review and investigation based on the application information;

3. After passing the review, the borrower and the lending bank sign a loan contract;

4. If applying for a mortgage loan, the borrower also needs to go through mortgage registration and other procedures;

5. After all procedures are completed, the lending bank will issue the loan and the borrower will repay the loan on time.

Required conditions for individuals to apply for bank loans:

1. The applicant must be a natural person with full civil capacity;

2. Have a permanent urban residence or Valid residence status, that is, the borrower is required to have a legal identity;

3. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;

4. Some banks Applicants will be required to have applied for a credit card or loan from our bank and have a good credit record.

5. Some banks also require assets recognized by the bank as mortgage or pledge, or a unit or individual that meets the prescribed conditions and has the ability to pay as a guarantor to repay the principal and interest of the loan and bear joint liability.

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Can I get a loan if I have a front photo of my ID card and a photo of my bank card?

You must go in person. When going for a loan, you are generally required to bring your ID card, household register, marriage certificate, employment certificate, bank statement, and proof of financial resources.

Basic elements to check whether you are the person:

1. ID card: copy of ID card, photo of holding ID card, front and back of ID card, these are common credentials;

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2. Bank card: All loan products must be bound to the receiving bank card, otherwise the payment cannot be made. The bank card must be opened with my ID card and cannot be used with other people’s bank cards;

3. Mobile phone number: Some people may say, then I can use someone else’s ID card photo and then my own mobile phone number. But don’t forget, the mobile phone number must be the number you left when applying for a bank card, otherwise it will not pass verification.

Therefore, the ID card, bank card, and mobile phone number must match to basically confirm that it is the person applying for the loan, and then assist in authorizing Alipay, JD.com, credit card, face recognition, telephone return visit, etc., and the person being loaned can This situation rarely occurs.

1. What is

It is a credit loan that does not require mortgage or guarantee for office workers, self-employed individuals, and enterprises, and the period of issuance is within one year. Its main service targets are the majority of self-employed industrial and commercial individuals, small workshops, and small owners. The loan amount is generally less than 200,000 yuan and more than 1,000 yuan. With the development and demand of social economy, the country has successively launched a series of supportive policies to develop microfinance. Some professional microfinance companies emerged, and then several major banks also launched microfinance business. Its basic characteristics are that it has a small amount, does not require guarantees and mortgages, and serves the poor. However, the review of credit and information is stricter.

2. What is campus loan?

Campus loan refers to the behavior of school students borrowing money from various lending platforms. The earliest appearance on campus was in the form of national student loans. As early as 1999, the country began pilot projects in some major cities to implement the national student loan policy; in February 2000, it was expanded to a nationwide scope, and at the same time, the number of financial institutions for loans was also increased. In 2004, the country promulgated a new policy, which exempted all interest on student loans while they were studying in school, and the Ministry of Finance provided subsidies to financial institutions, and also postponed the repayment period accordingly.

In September 2006, the country implemented a student loan reimbursement mechanism

Banks provide loans to specific aid recipients by issuing credit cards. However, since most students’ financial resources come from their families, the repayment problem has become This problem once caused banks to have a series of problems such as high bad debt rates and high overdue rates. Therefore, the China Banking Regulatory Commission issued a document in 2009, clearly requiring that no disbursement be allowed to students under the age of 18 and students over the age of 18 who have no fixed job or stable source of income. Credit card regulations.

How to apply?

It is a comprehensive consumer loan focusing on individuals or enterprises. The loan amount is generally more than 1,000 yuan and less than 200,000 yuan. The application process generally requires a guarantee. It is an extension of micro-loan in technology and practical application. In China: mainly serving agriculture, rural areas and farmers, and small and medium-sized enterprises. The establishment of the company rationally concentrated some private funds, standardized the private lending market, and also effectively solved the financing difficulties of rural areas, farmers, and small and medium-sized enterprises.

Path 1: Bank

If you have a good credit record, stable job and income, you can go to a bank. By borrowing through this method, not only can you get lower loan interest rates, but it is also safe and reliable, making it the best choice for borrowers. However, not everyone can get what they want due to the high loan threshold. Therefore, before applying to a bank, it is best for borrowers to evaluate their own situation to see if they are suitable for a bank loan, so as to save time on loan approval.

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Path 2: Small loan company

In addition to banks, borrowers can also go to small loan companies to apply loan. Compared with banks, small loan companies not only have lower thresholds but also provide loans quickly. However, the loan cost is slightly higher because in addition to interest, a certain amount of handling fees must be paid.

In addition, in terms of safety, small loan companies are slightly inferior to banks, so I would like to remind everyone: if you want to find a reliable small loan company, in addition to in-person inspections, you must also Remember not to pay any fees until you get the loan.

Path Three: Credit Card

Many people think that credit cards are simply consumption tools, but in fact, credit cards are also short-term. And compared with traditional banks, credit cards have one more advantage: cardholders can enjoy an interest-free period. In other words, after cardholders overdraw their credit cards, they can enjoy interest-free as long as they repay before the specified repayment date, and the period can be up to 56 days.

This ends the introduction of professional loan processing pictures and professional loan avatar pictures. Have you found the information you need?