My friend, there are several types of ICBC loans. Because I don’t know which specific situation you are in, I will give you the following loan methods. I hope it will be helpful to you: ·Credit Loan ·Car Loan ·Pledge Loan ·Personal Commercial Vehicle Loan ·Personal House Mortgage Loan

· Business loans · Student loans · Comprehensive consumer loans · First-hand personal housing loans · Second-hand personal housing loans · Direct-to-customer personal housing loans · Fixed-rate personal housing loans · Provident fund and housing portfolio loans · Personal commercial housing loans · Individual self-built housing

Loans·Repayment methods and repayment services·Changes and adjustments to loan contracts·Second-hand housing transaction fund supervision business The most common loan methods are: A. Credit loans Personal credit loans are issued by the Industrial and Commercial Bank of China to borrowers with good credit without providing guarantees.

RMB credit loan.

☆ Service Features As long as you maintain and have good personal credit, you can obtain a certain amount of bank loans without guarantee.

Customers who meet specific access customer conditions can also enjoy more preferential services.

☆ Application conditions 1. Chinese citizens with a fixed residence in China, permanent residence in a local urban area, and full capacity for civil conduct; 2. Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on schedule; 3.

Comply with laws and regulations, and have no illegal behavior or bad credit record; 4. Obtain a personal credit rating of A- or above from ICBC; 5. Open a personal settlement account at ICBC; 6. Other conditions specified by the bank.

In addition to meeting the above basic conditions, borrowers who also meet one of the following specific access conditions are special access customers for credit loans: (1) Middle and senior managers and senior professional and technical personnel who are high-quality corporate customers of ICBC; (2) Individuals

Have self-owned assets of more than 2 million yuan (inclusive); (3) Be a Peony Platinum Card customer; (4) Hold an ICBC personal wealth management account for more than 1 year (inclusive) and have an average annual deposit balance of 200,000 yuan (inclusive)

) or above; (5) Be a personal loan customer of ICBC with a loan amount of more than 500,000 yuan (inclusive) and no default repayment record for more than 2 consecutive years (including customers whose loans have been settled).

☆ Loan amount The starting point of the loan amount is 10,000 yuan, and the maximum does not exceed 500,000 yuan (inclusive).

☆ Loan term The loan term is generally 1 year (inclusive) and the longest is no more than 3 years.

Personal credit loans are generally not extended. If the loan cannot be repaid on time due to force majeure or accidents, it can be extended once with the bank's consent if the loan period is within 1 year (inclusive). The extension period shall not exceed the original loan period and the cumulative loan period.

(including extension period) shall not exceed 1 year.

☆ Loan interest rate The loan interest rate is based on the benchmark interest rate for loans of the same period and grade stipulated by the People's Bank of China; interest on personal credit loans is calculated using the transaction-by-transaction method.

☆ Repayment method: If the loan period is within 1 year (inclusive), the repayment method is monthly interest payment, monthly, quarterly or one-time principal repayment; if the loan period exceeds 1 year, the repayment method is monthly principal and interest payment.

payment method.

☆ Information that should be submitted when applying for a loan. To apply for a personal credit loan from a bank, a borrower must fill in a written application form and submit the following information: 1. Valid identity document; 2. Proof of residential address (household register, etc.); 3. Personal professional certificate

; 4. Proof of income of the loan applicant and his family members; 5. Other information required by the bank.

Depending on the specific access conditions of the borrower, one of the following materials needs to be reviewed: (1) Written certification of position and professional and technical level issued by the human resources department of the high-quality legal entity customer unit.

(2) Certificates of various financial assets owned by individuals, such as bank deposits, bonds and funds; ownership certificates of real estate under the name of the individual (or spouse).

(3) Peony Platinum Card customer information.

(4) ICBC elite financial account customer certification information.

(5) ICBC personal loan contract text.

B. Pledge Loan Personal pledge loan is a RMB loan obtained by the borrower applying to the Industrial and Commercial Bank of China by pledging a legal, valid pledge that meets the conditions specified by the bank.

☆ Service features: It has the characteristics of diverse materials (such as bank deposits, treasury bonds, life insurance policies, personal foreign exchange trading funds, etc.), simple procedures, and high loan amounts.