The loan interest rates of ICBC are 4.35 for six months (inclusive), 4.35 for six months to 1 year (inclusive), 4.75 for 1 to three years (inclusive), 4.75 for three to five years (inclusive) and 4.9 for more than five years.
The loan interest rate is changeable, and it is only a unified benchmark interest rate. All localities can go up or down according to the actual situation. Please consult the local industrial and commercial bank for specific interest rate implementation.
Extended data
ICBC loan terms
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) 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 the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.
4, with a stable source of income 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 known financial institutions such as China Industrial and Commercial Bank.
6. Being able to provide effective and reliable loan guarantee according to the joint loan practice recognized by the lender.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
What is the annual interest rate of 400,000 yuan for consumer lenders?
The consumer lender, Industrial and Commercial Bank of China, is 400,000 yuan, with an annual interest rate of 5.75%.
1. What is the personal consumption loan interest rate of ICBC?
The personal consumption loan interest rate of ICBC is:
1. The personal consumption loan interest rate of ICBC within one year (inclusive) is 5.35%;
2. The personal consumption loan interest rate of ICBC for one year to five years (inclusive) is 5.75%;
3. ICBC's personal consumption loan interest rate for more than five years is 5.9%.
Remarks: Personal consumption loans are used to purchase houses, and you can apply for housing provident fund loans. The interest rate of housing provident fund loans for less than five years is 3.25%; The loan interest rate for more than five years is 3.75%.
2. What are the conditions for ICBC's personal consumption loan?
Personal consumption loans of ICBC need to meet the following conditions:
1. China citizens with full civil capacity are between 18 (inclusive) and 60 (inclusive).
2. It has legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. ICBC's stock customers should have more than 4 stars.
7. Open a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.
Third, the types of personal consumption loans
The types of personal consumption loans are as follows:
1. Personal short-term credit loan.
2. Personal comprehensive consumer loans.
3. Personal travel loans.
4. National student loans.
5. Personal car loan.
6. Personal housing loan.
In addition, there are personal and personal durable consumer goods loans, personal housing renovation loans, marriage loans, service fee loans and various special loans derived from the above loans.
The floating interest rate of China Industrial and Commercial Bank's floating foreign exchange loan is based on the interest rate of several months.
I. China Industrial and Commercial Bank Credit Benchmark Interest Rate
The interest rate of ICBC's credit loan fluctuates on the benchmark interest rate of the central bank, namely:
1. The benchmark interest rate of the central bank is 4.35% within one year of the loan term.
2. The loan term is one to five years, and the benchmark interest rate of the central bank is 4.75%.
Category annual interest rate%
I. Short-term loans
Six months (inclusive) 4.35
Six months to one year (inclusive) 4.35
Second, medium and long-term loans
One to three years (inclusive) 4.75
Three to five years (inclusive) 4.75
More than five years 4.9
Second, the personal credit loan interest rate of ICBC
The personal credit loan interest rate of China Industrial and Commercial Bank is based on the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, and the personal credit loan interest of China Industrial and Commercial Bank is calculated by the transaction interest rate method. The general loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, it shall be calculated according to the contract interest rate, and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
1, short-term loan
ICBC's six-month personal credit loan interest rate is 5.10%;
The personal credit loan interest rate of ICBC for six months to one year (inclusive) is 5.56%.
2. Medium and long-term loans
The personal credit loan interest rate of ICBC for one to three years (inclusive) is 5.60%;
The personal credit loan interest rate of ICBC for three to five years (inclusive) is 5.96%;
The interest rate of personal credit loans of ICBC for more than five years is 6. 14%.
China Industrial and Commercial Bank Credit Loan Interest Rate Table
Three. Interest Formula of Personal Credit Loan of Industrial and Commercial Bank of China
Credit loan interest = loan amount, loan interest rate and loan term.
The interest of ICBC's credit loan is determined by three factors: loan amount, loan interest rate and loan term.
The introduction of ICBC's personal credit loan interest rate ends here.