1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan 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 (or unmarried statement);

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;

6. Can provide legal, effective and reliable house mortgage recognized by the bank;

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.

Second, can ICBC use mortgage loans? You need about 5000 to 65438+ ten thousand yuan in your hand. ...

Yes, the 5- 10 mortgage loan is too small. You can use your mother's identification to open a real estate assessment, and then go to the bank. Property rights are well defined and easy to handle, and interest rates are low after repeated use.

Three. New policy of ICBC e-installment 202 1 year.

Legal analysis: ICBC's door-to-door e-installment business is launched by the bank for customers who own their own houses or have mortgage loans in ICBC. The credit line is relatively high and the rate is favorable. It takes the self-occupied house as the mortgage, ICBC gives credit card credit line according to a certain proportion of the property value, and after the loan, the cash is transferred to the e-installment special debit card for consumption.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Four. How to use ICBC's housing loan?

What you should ask is the process of mortgage loan. You need to apply first, and after approval, the loan will be issued to your bank card.

ICBC's real estate mortgage loan process is mainly divided into the following steps: people need to apply for credit from ICBC, and then attach their own mortgaged real estate license information and owner identity information, which means that only the owner can mortgage the real estate, and the identity information materials that the applicant will have after the credit information center receives the applicant's loan application, so as to evaluate the output value of the real estate and the applicant's credit rating. The third is approval. When there is no problem in the evaluation and review of the applicant's loan application materials, the loan amount can be issued to the applicant himself according to the review results.