A loan application is not a contract. The loan application form is just an application form filled out by the loan applicant before the loan application. There is no contract or obligation between the two parties. A contract is an agreement between the parties to establish, change and terminate a civil relationship. Contracts established according to law are protected by law. The process of handling bank loans: the borrower applies for loans; Prepare loan related materials; Account manager loan survey; Bank approval; Both parties sign a loan contract; The execution of mortgage, pledge, unsecured contract or other guarantee contract; Bank loans; Post-loan management; Repay the principal and interest when the loan is due. The above is a description of the relevant terms of signing a credit loan contract.
Will the bank credit loan contract include criminal and civil matters?
According to the relevant information of the query, it displays: Yes. According to the provisions of the Bank Loan Contract Law, if only an individual owes a bank loan, it belongs to the adjustment scope of the civil law, that is to say, violating the bank credit loan will not bear any criminal responsibility. But personal property is likely to be forced to repay the loan.
Personal credit loan of ICBC
Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.
You can apply through online banking, mobile banking, ICBC e-life and e-finance, or you can apply at any branch of ICBC in different places with your valid ID card, or through the smart terminal of the branch.
Whether the specific conditions are met can be viewed in the application interface, and the loanable amount information can be viewed in the "Current loanable amount" and "Total amount" displayed in the application interface. The actual loanable amount is subject to the final approval result of ICBC.
(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )
The introduction of bank credit loan contract ends here.