1. Credit loan: The party concerned can apply for a personal loan to the bank by presenting information showing that he or she has good credit and repayment ability;

2. Mortgage loan: the party concerned has completed the mortgage process After the mortgage is registered, a mortgage loan contract can be signed with the bank, and the bank will disburse the loan to the designated account.

Legal Basis

Article 11 of the "Interim Measures for the Administration of Personal Loans"

Personal loan applications should meet the following conditions:

( 1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

( 3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and no Major bad credit record;

(6) Other conditions required by the lender.

Industrial and Commercial Bank of China personal consumption loans:

The RMB loan business issued by the bank to individual customers for designated consumption purposes includes the following four types:

1) Industrial Yinrong e-borrowing is a credit consumption loan from ICBC that does not require mortgage guarantee, but can only be used for personal consumption.

2) Personal pledge loan: a loan applied for by the lender using time deposits, treasury bonds and other products in his own name as guarantee.

3) Personal study abroad loan: A loan issued by ICBC to the borrower, mainly used to pay for the tuition and miscellaneous fees, living expenses, accompanying students and other expenses required by the borrower or immediate family members while studying abroad.

4) Personal home consumption loan: It can be used to renovate and decorate houses, purchase housing decoration materials, durable consumer goods and other large consumer goods. It can be used repeatedly after one application, and can be borrowed and repaid at any time.

5) Personal cultural consumption loan: It can be used for cultural consumption such as personal education and training, travel, weddings, beauty and fitness, club membership activities, etc. It can be used repeatedly with one application and can be borrowed and repaid at any time.