The borrower who needs to borrow 200,000 yuan from ICBC is between 18 and 60 (inclusive), and has legal and valid identity certificate, income certificate, occupation certificate, loan purpose certificate or statement, etc. When you apply for a loan, you can consult the bank in advance, so that you can know whether you meet the requirements and then apply.

Users had better know the loan interest rate in advance when handling the loan, so as to know how much interest they need to pay for the 200,000 loan and whether they can repay it on time. If the interest paid is relatively high, it will increase the burden of repaying the arrears, which is quite unfavorable to the borrower.

After handling the loan, you should repay it on time according to the contract, and there can be no overdue repayment. There will be a penalty interest after overdue repayment, and the bank will also collect it. If it is not returned for a long time, the bank can sue the borrower at this time and must return it on time after the subsequent court decision.

If the borrower fails to repay on time during the repayment process, he can apply to the bank for deferred repayment at this time. If the bank doesn't agree to postpone repayment, it can borrow money from friends around it and pay it back later, but it can't always borrow money from friends to pay off the debts.