To apply for an individual ICBC, it is necessary to understand these matters.

An individual ICBC is equivalent to a loan secured by assets or rights. This kind of loan application has a high amount and is easy to approve. Before applying for an individual ICBC, it is necessary for us to know its application conditions and application methods. Let's take a look.

an individual refers to a loan that a lender applies for by using products such as time deposits and treasury bonds under his own name as guarantees. The loan amount is relatively flexible, with a minimum 5 yuan for a single loan, a maximum consumption purpose of 2 million yuan, a maximum business purpose of 1 million yuan, and a maximum loan period of one year. The following are related matters for the application of such loans:

1. Application conditions:

1. Natural person with full capacity for civil conduct.

2. No bad credit record and good repayment intention.

3. hold the wealth account card, wealth management account card and moneylink card of electronic banking registered/added at the counter of our bank, and the above account cards are hung with non-passbook (vouchers) that meet the requirements as a guarantee.

4. open a personal settlement account with our bank.

5. We have applied for our U shield or electronic cipher.

6. Other conditions stipulated by the Bank.

2. Application method

1. Online banking application:

Users with U-shield or password device log in to ICBC's online banking and select the function of "Favorite-Loan-Apply for Loan-"to apply for individuals. If it is the first time for the lender to apply for a personal loan from ICBC, he will be prompted to open a comprehensive personal loan account first.

2. Mobile banking application:

Users with U-shield or password device log in to ICBC Mobile Banking, select the "Favorite-Loan-"function, and handle individuals according to the page prompts. If you have not opened a loan account, please open/register it according to the prompt.

No matter which way you choose to apply, you need to use a trusted mobile phone number for SMS verification, and there are restrictions on the number of loans you apply for. You can apply for up to 3 contracts every day and up to 15 contracts every month.

can I apply for certificates of deposit online? How to handle it?

In this Internet age, many loans can be directly applied for online, which saves borrowers a lot of time, so can certificates of deposit be processed online?

certificates of deposit can be handled by ICBC online banking, and borrowers can get loans quickly without going out. For friends who are in urgent need of temporary services, it is convenient and cost-effective to apply for certificates of deposit through online banking.

the process of certificate of deposit: the borrower holds relevant loan information and goes to the deposit bank to submit a written application for certificate of deposit; The bank examines the authenticity of the information, and the borrower is investigated before the audit; After the investigation, the loan shall be examined and approved, and the loan amount, loan term and expected annualized interest rate of the loan shall be determined; The borrower signs a loan contract with the bank; Bank lending.

online personal time limit is at most one year. The loan term is less than or equal to half a year, and the expected annualized interest rate for half a year is adopted. If it is more than half a year and less than one year, the expected annualized interest rate for one year will be adopted. Only individuals who apply online can apply for loans online. Submit the loan application through the online banking channel, and directly prompt the customer with the loan result through online banking and SMS after approval. If approved, the loan will be directly transferred to the customer's account.

to handle online loan business, you need to open a comprehensive personal loan account first. Customers can open an account at ICBC outlets or self-help online banking. After opening a comprehensive personal loan account, you only need to register the bank cards such as the wealth management gold card or the smart card used to handle personal loans with the online bank. Then, you can directly complete all the operations of loan application, bank loan and early repayment by hanging the term sub-account to the online bank. In this way, you can use the online loan function to arrange your funds reasonably at any time according to your needs. In addition, for online individuals, you need to use the ICBC customer certificate; If you don't have an ICBC certificate, please go to ICBC's business outlets to apply for the certificate first.

What is the interest income account of ICBC's personal housing loan?

The current personal loan account is called "Personal Loan Comprehensive Account" in ICBC, and all your personal loans in ICBC are cost-effective in this account.

What does comprehensive loan mean?

Question 1: What does combined loan mean and what should be paid attention to? Portfolio loan is a housing loan issued to the same borrower by the housing fund management center using policy housing funds and the bank using commercial credit funds. It is the sum of policy and commercial loan portfolios, that is, the loan demand beyond the housing provident fund amount is solved by bank funds. The interest rate of bank funds is higher than the housing provident fund loan interest rate, and the comprehensive interest rate of portfolio loans is between the housing provident fund loan interest rate and the bank loan interest rate. Step 1: The borrower holds the Commodity House Sales Contract to the No.1 window of personal loan business of the Housing Provident Fund Management Center to receive the loan application form. Step 2: The borrower holds the ID card of himself and the auxiliary borrower, the original household registration book (marriage certificate is required if the household registration accounts are not together), the deposit certificate of provident fund (required for deposit of provident fund in locomotive factory and counties), the notarized Declaration (required if the mortgagor and the borrower are not the same person), the commercial housing sales contract, and the completed loan application form to the No.2 window of personal loan business to review the loan amount and calculate the relevant fees payable. If the provident fund loan is insufficient, you can apply for a portfolio loan, and go to the designated bank to apply for a commercial loan with a portfolio loan contact form and related materials. Step 3: The mortgagor and the borrower go to the No.3 window of personal loan business with their seals, current passbook or credit card and the following materials, and then go to No.4 window to collect the relevant fees, go through the mortgage formalities at No.3 window, sign the loan contract at No.2 window and sign the entrusted transfer agreement at the designated bank window. Step 4: The borrower will collect the loan receipt at the entrusted loan bank window of the center on the designated day.

question 2: what does a personal loan account mean for granting loans and repayment, and a personal account opened for you?

question 3: what does a loan portfolio mean? A portfolio loan means that borrowers who meet the requirements for commercial loans for personal housing can apply for personal housing provident fund loans at the same time as they apply for commercial loans for personal housing, that is, borrowers can apply for personal housing provident fund loans from banks at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral.

The preparation materials are as follows:

1. Loan application form;

2. ID card and 3 copies of ID card;

3. Original and photocopy of the household registration book (the first page and my page are required for collective accounts);

4. The original house purchase and sale contract and the original copy of the whole house purchase and sale contract (2 copies);

5. Application for registration of ownership transfer (provided by the developer);

6. Copy of the receipt of the advance payment (2 copies);

7. Personal seal (married people need one for both husband and wife);

8. Personal salary income certificate (the developer provides the form paper, and the company confirms and seals it);

9. contact list of portfolio loan and copy of contact list (1 copy);

1. Commercial loan contract;

11. Sixth copy of maintenance fund receipt.

Question 4: What is a portfolio loan? What does the portfolio loan guarantee mean? 1. I think that the online portfolio loan of Wangou Real Estate refers to the individual housing loan issued by the housing provident fund management center with policy housing funds and the commercial bank with credit funds to the same borrower at the same time, which is used to purchase the same set of self-use ordinary commercial housing. It is the general term for the portfolio of policy and commercial individual housing loans. Portfolio loan guarantee means that the guarantee center, as the guarantor, provides guarantee for the above loans at the same time.

Question 5: What do you mean by insufficient comprehensive score in loans? Can you be specific?

Question 6: Why are all loans with insufficient comprehensive score of less than 5 points? It's just a statement to customers. Credit cards are the same. If you don't approve them, you will only tell customers that the score is insufficient. Otherwise, if you don't tell customers the specific reasons, customers will pay attention to this item next time they apply, and even cheat, you know what I mean. If all your loans are not approved, you can only say that your hardware conditions are not enough. I hope Shenyang Zhonghui can help you, and hope to adopt

Question 7: What is the meaning of registering a personal loan comprehensive account with a mobile phone bank for issuing loans and repayment, and opening a personal account for you?

Question 8: What is a provident fund loan? What is a commercial loan? What is a combined loan? A provident fund loan is a bonus paid to you based on the housing provident fund paid by employees. The main body of the loan is actually the housing provident fund center, and the bank is equivalent to an intermediary. After the provident fund center approves your loan, the bank will give you the money, so the loan interest rate is quite favorable, which is calculated by the provident fund loan interest rate. The commercial loan is granted to you by the bank, so the loan interest rate is the benchmark interest rate plus the floating ratio stipulated by the bank policy, and the bank has the final say. Portfolio loan is because there is a certain proportion of provident fund loans in various places, and there is a calculation formula, which is calculated according to the amount you pay, and there is also an upper limit. For example, if you want to borrow 1 million yuan, but the provident fund loan is calculated or it is stipulated that you can only lend 5, yuan, and the remaining 5, yuan must apply to the bank for commercial loans, which is called portfolio loan.

Question 9: What do you mean by unqualified comprehensive loan score? Hello, if you need to handle the loan business of our bank, if your loan business has not been approved, you need to check the specific situation with the handling bank so that you can handle the loan business smoothly.

(If you have any other questions, please visit the Online Customer Service of China Merchants Bank (website: forum.cmbchina/...ncmu=), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank! )

Question 1: What does the comprehensive loan rate mean: 2.1_2.4? The fee includes interest and service fee!

that's enough for the introduction of registering a comprehensive personal loan account.