1. How does Industrial Bank apply for a credit loan? Is it easy to get approved?
The credit card will be issued once the credit card is approved.
Credit card application conditions:
Age 18 and below 65 years old;
A second-generation ID card is required;
Proof of employment and income stamped with the company's financial seal;
No bad credit record;
Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.
Credit card application process:
Fill in the application form;
Give the bank personal information and a copy of the information;
Send it to the bank To the credit card center;
The credit card center will review, print and issue the card;
After I get the card, I will open it and wait for the password letter.
Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.
2. How long does it take for Industrial Bank loan approval?
Industrial Bank's loan approval time is related to the loan type. Different loan types are different, but the general range is about 10 working days for credit loans and 0 working days for Internet. For some housing loans, it takes about 40 working days
3. Is Industrial Bank loan approval fast?
Industrial Bank’s mortgage review is not too strict, just meet the loan conditions:
1. The borrower’s legal identity document;
2. The borrower’s economic income Certificate or occupation certificate;
3. Borrower’s household registration book;
4. Borrowers with spouses must provide proof of marital relationship;
5. If there is a co-borrower, a written commitment signed by both parties of the borrower clearly stating the repayment responsibilities must be provided;
6. Proof of property rights for the purchased second-hand house;
7. The "House Sales Contract" signed with the seller, and the transfer account number provided by the seller;
8. If the collateral needs to be evaluated, it must be approved by the lender Collateral evaluation report issued by the evaluation agency;
9. Written authorization document from the owner of the property to be purchased who agrees to sell the house;
10. Other documents required by the lender or information. The approval time depends on the individual's qualifications. The better the qualifications, the easier it is to process. Nowadays, bank quotas are tight, which may affect the speed of approval and loan disbursement.
4. Is it easy to get an Industrial Bank loan approved? It is in the process of raising funds.
It is easy to get it approved. Applicants must be over 18 years old and under 60 years old, Chinese citizens with full capacity for civil conduct, have a fixed residence in each branch, and be able to provide valid proof of residence. The individual has good credit and has the ability to repay the loan. If a guarantee is used, a legal and effective mortgage guarantee can be provided. Industrial Bank is the only Equator bank in China and has a very large customer base. Therefore, there are many customers, so Industrial Bank has also launched many loan products to meet the loan needs of different customers.