The conditions required for ICBC loans include 18-60 years old, having a work unit or habitual residence in the location of the funding institution, having a fixed job and income, and good credit information. As for the application process, let's take mobile banking as an example. Log in to ICBC Mobile Banking, select a loan product, submit the loan information online and wait for the system to review. After approval, the system will arrange funding as soon as possible.
Of course, different loan application processes will be different, and the credit loan application process is relatively simple.
What procedures does ICBC need to handle unsecured and unsecured loans?
Materials to be submitted for application: valid identity documents of myself and my spouse, proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc.). ). My household registration certificate (household registration book or other valid residence certificate). My income certificate and professional certificate. A certificate or statement on the purpose of the loan, which promises that the loan will not enter the securities market or futures market, be used for real estate development and equity investment, or be used for borrowing to obtain illegal income; Those who meet the application conditions (1) must also provide the valid job certificate of the employer or the professional and technical grade certificate issued by the relevant state departments. If the borrower is only a payroll customer of ICBC, it must also provide the labor contract signed by the borrower's work unit. If the application conditions (2) to (5) are met, I also need to provide all kinds of accounts, financial assets certificates and property ownership certificates owned by me. If the application conditions (6) are met, the personal income tax payment certificate issued by the local tax authorities in the latest year shall also be provided. Other information required by the bank.
What is the car loan processing flow of China Industrial and Commercial Bank?
Industrial and Commercial Bank of China needs procedures to handle car loans, and different loan methods have different procedures. Take personal car loan as an example:
☆ Application materials
1. Valid identity documents of the borrower and its spouse, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;
2. Personal income certificate (personal tax payment certificate, salary certificate, average financial assets in ICBC or other banks in the last 6 months);
3. The bank deposit certificate of the down payment or the relevant certificate issued by the dealer;
4. Car purchase contract or car purchase agreement;
5. Vehicle insurance contract, vehicle certificate (if the purchased vehicle is a domestic vehicle), inspection sheet of imported motor vehicle and import certificate of goods (if the purchased vehicle is an imported vehicle), and purchase invoice;
6. Proof materials related to loan guarantee;
7. Proof of personal settlement account opened in China Industrial and Commercial Bank;
8. Other information required by the bank.
Application condition
1. Natural persons with full capacity for civil conduct are between 18 (inclusive) and 60 (inclusive). If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for at least 1 year and have a fixed residence and occupation, and provide a local contact person;
2. Have a legal and valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement in the city where the loan bank is located;
3. Have a good credit record and willingness to repay;
4. It has a stable legal income source and the ability to repay the loan principal and interest in full and on time;
5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;
6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;
7. If it is an "individual" loan, you also need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
8. The borrower's single household (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);
9. Open a personal settlement account in China Industrial and Commercial Bank;
10. Other conditions stipulated by the bank.
What information does ICBC need to provide for loan?
To apply for a bank loan, you need to prepare materials: 1, valid identity documents; 2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marital status; 4. Bank flow; 5. Proof of income or personal assets; 6. Credit report; 7. Loan use plan or statement; 8. Other information required by the bank.
I. Industrial and Commercial Bank of China
Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. [3] The basic task of China Industrial and Commercial Bank is to raise social funds through domestic and foreign financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Industrial and Commercial Bank ranked 10. On June 20th, 20 18, the analysis report of China 500 Most Valuable Brands was released, and China Industrial and Commercial Bank ranked 4th. 20 18 in July, the British "Banker" magazine published the list of the top global banks 1000 in 2065 438+0008, and China Industrial and Commercial Bank ranked 1. 20 18 ranked 26th in the Fortune Global 500. 20 18 12 18 The Top 500 World Brands compiled by the World Brand Lab was announced on 20 18, and China Industrial and Commercial Bank ranked 43rd. 2065438+On June 26th, 2009, eight banks including China Industrial and Commercial Bank launched the first batch of enterprise information networking verification systems.
Two. China Industrial and Commercial Bank Loan Materials and Procedures
To apply for a bank loan, you need to prepare materials:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
8. Other information required by the bank.
Bank loan procedures:
1, loan application. Borrowers apply for loans from local banks.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
How does China Industrial and Commercial Bank borrow money and what conditions do it need to meet?
Materials to be provided for the loan: applicant's ID card, household registration book, income certificate, property certificate, guarantor's ID card, household registration book, proof of marital status and other relevant materials that the bank needs the applicant to provide.
China Industrial and Commercial Bank has four kinds of loans: housing loans, consumer loans, commercial loans and special loans. Just choose the appropriate loan type.
I. Housing loan
It is subdivided into six types of loans: housing provident fund (portfolio) loans, first-hand personal housing loans, second-hand personal housing loans, fixed-interest personal housing loans, direct personal housing loans and personal self-built housing loans.
Second, consumer loans.
It is subdivided into seven types: financing e-loan, personal home consumption loan, easy loan, personal car loan, personal cultural consumption loan, personal student loan and personal study abroad loan.
Three. Operating loan
It is subdivided into four types: personal business loans, personal business loans, personal commercial vehicle loans and personal commercial housing loans.
Fourth, characteristic loans.
It is subdivided into five loan types: individual, personal loan online loan, personal loan card loan, personal entrusted loan and personal credit loan.
Personal business loan application conditions:
1. The age of a natural person with full capacity for civil conduct is between 18 and 60.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. It has legal business qualifications, and can provide business licenses for individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, or hold business licenses such as business licenses, merchant business licenses and booth licenses or other legal and valid business qualifications.
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 to provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
Extended data
Personal loan repayment method
(1) Equal repayment of principal and interest. This is the most common repayment method recommended by banks at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period.
Using this repayment method, the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month. This repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high.
(2) Repayment of equal principal. This is also the repayment method commonly used by banks at present. The borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month.
This repayment method is suitable for people with higher income at present, but it is predicted that their income will decrease in the future.
(3) One-time repayment of principal and interest. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. However, when banks choose this repayment method, the approval will be stricter, and they are generally only open to small short-term loans. This repayment method is simple to operate, but its applicability is not strong.
(4) Pay interest and principal on schedule. After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. Not all banks have this repayment method, which is suitable for people with unstable income.