As we all know, ICBC salary card is a salary card, which not only has the basic financial functions of ordinary savings card, but also can enjoy a variety of value-added services, such as easy loan service, optimized insurance products, customized exclusive wealth management funds and so on. So, can I get a loan from ICBC's salary card? What conditions do you need? Let's take a look at it together.

can I get a loan from ICBC's salary card? Naturally, it is possible. As mentioned earlier, salary card holders can enjoy ICBC's easy loan service first, and this easy loan is a kind of credit consumer credit service issued by ICBC to debit card holders and credit card holders of the Bank. After approval, you will issue an easy loan credit card, and the loan amount will be transferred to the easy loan credit card. You can use the easy loan credit card to swipe your card at the designated merchant POS. Of course, in addition to easy loans, salary card holders can also apply for other personal loans, such as personal housing loans, personal business loans, personal consumption loans and so on.

No matter what kind of loan you apply for, the salary card holder must meet these basic conditions: 1. At least 18-65 years old, Natural person with full capacity for civil conduct 2. Monthly punch-in salary, working and living locally 3. Employees in the current unit have been officially registered and worked for 6 months 4. Generally, the monthly income of loan approval is 1-15 times 5. White households must pay more than 3, yuan (social security and provident fund must be the same) or enterprises, institutions and civil servants do not have social security and provident fund. In addition, these materials need to be provided to the bank. Including valid ID card, work permit, income certificate, personal flow in the past six months (valid within 1 days), house book or house purchase contract, etc., the bank will notify the lender after approval. How to borrow a salary card from ICBC?

Personal wage loans are mainly targeted at civil servants, teachers, doctors, lawyers, employees of state-owned enterprises, institutions or units, white-collar workers in companies, and wage earners with stable incomes. Let's take a look at how to apply for a loan with a salary card.

first of all, applying for a loan with a salary card requires that the borrower is between the ages of 18 and 6, has a stable job, has worked in the unit for more than half a year, has a good credit record and has lived in the local area for more than one year.

on the premise of meeting the above conditions, the borrower can apply for a loan with the salary card.

when applying for a loan, the borrower needs to provide the ID card, work certificate, credit reference certificate (usually handled by the loan bank), address certificate and personal salary card, fill in the loan application at the lending institution, and then the loan can be made after it is approved.

Personal salary card loans can usually reach 3-1 times of personal salary, depending on the individual's actual situation. What conditions does China Industrial and Commercial Bank need for a loan?

1. A natural person with full capacity for civil conduct is between 18 (inclusive) and 6 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in the People's Republic of China for one year and have a fixed residence and occupation.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.

3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnership enterprises or enterprises as legal persons.

4. It has a stable income source and the ability to repay the loan principal and interest in full and on time.

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in ICBC and other known financial institutions.

6. It can provide legal, effective and reliable loan guarantee recognized by the lender.

7. The borrower opens a personal settlement account in ICBC.

8. Other conditions stipulated by ICBC.

Extended information:

Types of loans

1. Loans are divided into short-term loans, medium-term loans and long-term loans.

short-term loans refer to loans with a term of one year inclusive.

medium-term loans refer to loans with a loan term of more than one year (excluding one year) and less than five years (including five years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).

second, loans are divided into credit loans and secured loans according to whether they are secured or not.

a credit loan is a loan issued by a borrower with good credit status, and there is no "guarantor" or other guarantee.

secured loan refers to a loan granted by the borrower or a third party in accordance with the law. Secured loans include secured loans, mortgage loans and pledged loans.

Guaranteed loan, mortgage loan or pledge loan refers to the loan issued by way of guarantee, mortgage or pledge as stipulated in the Guarantee Law of the People's Republic of China. For example, personal housing loans and automobile consumption loans are all secured loans issued with housing or automobiles as collateral.

third, for rural credit cooperatives, according to the object and purpose of loans, there are mainly rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmers' loans, agricultural economic organization loans and other loans.

IV. Types of personal loans mainly provided by commercial banks

(1) Personal housing loans, including:

1. Personal housing commercial loans

Personal housing commercial loans are self-operated loans issued by bank credit funds, which refer to the commercial housing that a natural person with full capacity for civil conduct applies to the bank with the property house he has purchased as collateral as a guarantee to repay the loan when purchasing the urban self-occupied housing in this city.

2. Personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy-based housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply for from banks when they buy, build, renovate or overhaul their own houses in cities and towns of this city, taking their own property houses as collateral as a guarantee to repay the loans.

3. Personal housing portfolio loan

All borrowers who meet the requirements of commercial loans for personal housing can deposit housing provident fund at the same time, and they can also apply for personal housing provident fund loans from banks at the same time when they apply for commercial loans for personal housing, that is, borrowers can apply for personal housing provident fund loans and commercial loans for personal housing from banks at the same time with the purchased urban self-occupied housing in this city as collateral (this loan method is referred to as personal housing portfolio loans for short).

(2), personal automobile consumption loans

(3), personal durable consumer goods loans

(4), personal policy loans.