The maximum credit card (debit card) of China Industrial and Commercial Bank can reach100000 yuan. Generally, the credit card amount is between 1000- 10000 yuan, the gold card amount is between 10000-50000 yuan, the platinum card amount is above 50000 yuan, and the maximum credit card amount can reach 1000 yuan.
The credit line of Industrial and Commercial Bank of China (ICBC) is a credit line granted to the applicant through various assessments, including work, credit record, education level, asset status, etc. The better the evaluation project, the higher the credit card (debit card) quota.
What is the general loan amount of ICBC?
As one of the four state-owned banks, ICBC has abundant funds and is a very safe choice for those who need loans. Many people are asking, what is the general loan amount of ICBC? It is understood that different types of loans have different loan quotas.
Rong e steet
Credit line: 600 yuan borrows, with a maximum credit line of 800,000 yuan.
Rong e loan is an unsecured and unsecured RMB loan issued to borrowers who meet certain conditions for personal legal and compliant consumption purposes. 1 year loan interest rate The loan interest rate for more than one year is 1 10,000, and the daily interest is about 1 yuan.
First-hand personal housing loan
Amount: up to 70% of the market value of the house purchased.
The longest term of ICBC's first-hand personal housing loan is 30 years. As long as your age is between 18 and 65, you can apply for our housing loan. In addition, the sum of the borrower's age and the loan term does not exceed 70 years.
Personal housing consumption loan
Amount: up to 654.38+0 million.
Personal housing consumption loans are RMB loans for household consumption such as decorating houses, purchasing housing decoration materials, durable consumer goods and other large-value consumer goods. The guarantee can be mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee.
Personal commercial loan
Amount: The maximum loan is 3 million yuan.
The above is the amount of some loan products of ICBC. Want to know the approximate amount of ICBC loan, you can visit ICBC official website for enquiry. However, it is inevitable to go to the bank for a loan. If you meet an inefficient bank, you may not get a loan for a month.
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China Industrial and Commercial Bank Personal Credit Loan Application Conditions and Quota
Personal credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to customers with good credit standing without providing guarantee.
Loan amount and term: the initial loan amount is 6,543,800 yuan, and the longest loan term can reach 3 years.
It has the function of revolving loan: one-time application, recycling, returning with the loan, convenient and fast, and self-service loan issuance can be realized through merchant POS and online banking.
China Industrial and Commercial Bank personal credit loan application 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.
In addition to the above basic conditions, it also meets one of the following conditions:
(1) Senior managers and senior professional titles of ICBC's high-quality enterprises or institutional customers. Among them, high-quality legal persons or institutions that pay wages to ICBC customers must be regular employees who have worked in the above-mentioned units for more than three years (inclusive), or personnel with the rank of major or above in the garrison and armed police forces.
(2) ICBC private banking, wealth management, peony platinum card or wealth management account customers. If you are a wealth management account customer, you must hold the wealth management account card of China Industrial and Commercial Bank of China 1 year or more, and the quarterly average daily balance of financial assets in China Industrial and Commercial Bank of China in recent 1 year is more than 200,000 yuan (inclusive).
(3) The accumulated amount of unsecured personal loans in China Industrial and Commercial Bank is more than 6,543,800 yuan (inclusive), and there is no overdue record (including settled loans) for more than 2 years (inclusive).
(4) My family net assets (real estate, financial assets) are more than 3 million yuan (inclusive), or I have owned it for nearly 6 months and my daily average financial assets are more than 500,000 yuan (inclusive).
(5) High-quality individual customers of other banks who are not lower than ICBC's private banking, wealth management or Peony Platinum Card access standards.
(6) The annual personal income is above 200,000 yuan before tax (inclusive).
Application materials for personal credit loan of China Industrial and Commercial Bank:
1. Valid identity documents and proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc. ) photos.
2. My household registration certificate (household registration book or other valid residence certificate).
3. My income certificate and occupation certificate.
4. A certificate or statement of 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 seek illegal income;
5. 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.
6. If the application conditions (2) to (5) are met, all kinds of accounts, certificates of financial assets and certificates of property ownership owned by me shall also be provided.
7. If the application conditions (6) are met, the personal income tax payment certificate of 1 year issued by the local tax authorities shall also be provided.
8. Other information required by the bank.
How much can ICBC credit card loan? Mainly depends on the product.
ICBC's credit card has many functions. In addition to overdraft consumption, you can also handle some financing business, which can be regarded as taking credit card loans. Many people want to know how much money they can borrow. It depends on what kind of business they handle. There are three products to choose from, and the loan amount is different. Let's have a look.
1, jung borrowed
This is the most similar credit loan to ICBC. It is an additional credit card installment limit provided by ICBC. The maximum amount is 300,000. The amount given by the bank varies according to different qualifications, but it is generally slightly higher than the credit card amount, at least 1 10,000 yuan. It will not occupy the credit card limit after processing.
ICBC's e-loan is famous for its low interest rate. From February 8 to March 3, 20201,the newly applied e loan can be given a fixed preferential price at the annual interest rate. Friends who need funds can consider it.
2. Money is badly needed
In fact, it is the overdraft transfer service of ICBC credit card. Except for the different handling methods, it is no different from cash withdrawal by credit card. This amount is associated with the credit card amount. The maximum application amount is 50% of the available amount, that is, the credit card is 654.38+100000 yuan, of which only 5000 yuan can be transferred to the savings card at most.
The emergency fund bears interest on a daily basis, with a daily interest rate of five ten thousandths, and a transfer fee of 1% is charged, because it must be repaid in full on the last repayment date, which is only suitable for short-term capital turnover.
3. Use of gold
Refers to the cash installment business of ICBC credit card, which is only applied by the cardholder (except for personal cards such as easy loan and official business).
The limit is also related to the fixed amount of credit cards. The maximum amount is 50% of the total credit card amount, and does not exceed 654.38+10,000 RMB. There are three months, six months, nine months, 12 months, 18 months, 24 months and 36 months to choose from, and the installment fee is required.