What are the loan businesses of Industrial Bank?
Mortgage loans
Industrial Bank’s personal mortgage loans include personal first-hand housing loans, personal second-hand housing loans, and personal housing transfers. Mortgage loans and replacement home purchase loans, etc.
Consumer Loans
Industrial Bank offers a variety of personal consumption loans for ordinary citizens, including personal comprehensive consumption loans, community consumption loans, consumption continuous loans, etc., to meet the needs of citizens. need.
Personal business loans
Industrial Bank refers to personal business loans issued by Industrial Bank to borrowers for the purpose of the borrower's mobility, purchase or update of business equipment, and payment for lease operations. Loans for legal production and business activities such as site rental and commercial building decoration.
What are the situations of Industrial Credit Card?
There are three situations of Industrial Credit Card. The first is swiping the card during the interest-free period, the second is cash withdrawal, and the third is cash installment.
1. Credit card consumption first and then repayment, this is micro-credit. The main function of a credit card is the overdraft function. It determines a credit limit based on the applicant's credit situation, and the applicant can overdraft consumption within this limit.
2. Withdraw cash by credit card. Cash withdrawals with credit cards will charge a higher interest rate on a daily basis (50,000 per day), and there is also a certain daily limit for cash withdrawals. Cash withdrawals by credit card are limited to when you have an emergency need for cash and can repay it in the short term. Otherwise, the interest generated by credit card cash withdrawals will compound over time.
3. Credit card cash installment. Use a credit card to make purchases or withdraw cash, and then repay in installments.
What are the personal loan products of Industrial Bank? Take a look at these types
Industrial Bank has many types of personal loans, which can meet the needs of different borrowers, such as studying abroad, traveling, etc., or even those urgently needed in production and operation. You can find them at Industrial Bank. If you want a personal loan, here are four personal loan products.
1. Personal study abroad loan
Industrial Bank issues to borrowers for overseas students (including Hong Kong, Macao and Taiwan) to study in middle schools, universities and master's degrees or above (including preparatory studies) RMB loans for study abroad expenses are divided into two types: withdrawal type study abroad loans and non-withdrawal type study abroad loans.
The former is used to pay actual expenses such as tuition, miscellaneous fees, living expenses, etc. for students studying abroad, and the borrower can withdraw loan funds; the latter is used to issue the deposit certificate required for students studying abroad to apply for study abroad. , the funds are frozen during the loan period and the borrower is not allowed to withdraw.
2. Personal travel loan
A RMB loan issued by Industrial Bank to the borrower on a credit basis for domestic and overseas travel expenses of the borrower or his traveling companions. Borrowers only need to provide proof of real estate or income to obtain a loan of up to 300,000 yuan, with a maximum credit period of up to 3 years.
3. Personal business loans
Industrial Bank issues to borrowers for legal production such as borrower mobility, purchase or update of business equipment, payment of rent for leased business premises, decoration of commercial buildings, etc. For loans for business activities, Chinese citizens (including residents of Hong Kong, Macao and Taiwan) who comply with Industrial Bank's personal business loan policy and have full civil capacity, including individual industrial and commercial households, small and micro business owners, and farmers used for production and operation, can apply.
4. Individual
The borrower uses personal time deposit certificates, certificated treasury bonds, personal insurance policy rights, personal financial product beneficiary rights, personal trust beneficiary rights and personal precious metals in his or her own name A type of credit business in which the loan is pledged as pledge, a certain amount of loan is obtained from Industrial Bank, and the principal and interest of the loan are repaid upon maturity.