ICBC credit card loan method:
Operating environment: Open China Industrial and Commercial Bank App version 6.0.
2. To open the login ICBC APP, you need to register for the first time.
3. Find the loan option on the home page.
4. Click the "Loan" option to enter. After entering the page, you can see the "electronic borrowing" option and click "electronic borrowing".
5. You can see the amount you can borrow, and click "Borrow Now".
6. Fill in the amount to be borrowed according to the page prompts, select the repayment method and loan term, then enter the mobile phone number and the correct verification code, and click "Next" to submit the credit card loan application.
Application conditions:
1. ICBC's existing customers should reach 4 stars or above.
2. Open a personal settlement account in China Industrial and Commercial Bank.
China citizens with full capacity for civil conduct, aged between 18 and 60 (inclusive).
4 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. Have a good credit record and willingness to repay, without any illegal acts and bad records.
7. Have a valid identity certificate and a valid residence certificate (or the household registration certificate of the place where the loan bank is located).
8. Other conditions stipulated by the bank.
In addition to meeting the above basic conditions, it also meets one of the following conditions: (1) Personal owned assets are more than 2 million yuan (inclusive);
(2) Senior managers and senior professional and technical personnel of ICBC's high-quality corporate customers;
(3) Peony Platinum Card customers;
(4) Holding a personal wealth management account of China Industrial and Commercial Bank 1 year or above, with an average annual deposit balance of 200,000 yuan or above;
(5) It is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of 500,000 yuan or more, and has no record of default repayment for more than two consecutive years, including customers whose loans have been settled.
Information to be submitted when applying for a loan When applying for a personal credit loan from a bank, the borrower must fill in the application form in writing and submit the following information:
1, my valid identity document; 2. Proof of address; 3 proof of income of the loan applicant and his family members; 4. Personal professional certificate; 5. Other information stipulated by the bank.
loan rate
The loan interest rate of ICBC's personal credit loan is 4.35% if the loan time is less than one year, and 4.75% if the loan term is one to three years. The specific business handling standards are subject to the regulations of the local branch of China Industrial and Commercial Bank. Please consult the local industrial and commercial bank in detail before handling the relevant procedures.