Other banks are similar.
The basic conditions for borrowers to apply for personal credit loans include:
1. China citizens who have permanent residence and permanent residence in the city they apply for and have full capacity for civil conduct;
2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. No illegal acts and bad credit records; Obtained a personal credit rating above Grade A in China Industrial and Commercial Bank; I have opened a personal settlement account in China Industrial and Commercial Bank Branch.
It is understood that banks can only open "giving money" to customers who meet the following conditions. These conditions include:
1. Senior and middle-level managers and senior professional technicians of ICBC's high-quality corporate customers (determined by branches, with credit rating above AA); Individuals own real estate or own assets of more than 2 million yuan; ICBC Peony Card Platinum Card Customers; Customers (including customers whose loans have been settled) who have held China Industrial and Commercial Bank's personal finance account 1 year or more with an average annual deposit balance of more than 200,000 yuan (inclusive), and have a loan amount of more than 500,000 yuan (inclusive) in China Industrial and Commercial Bank.
Judging from the loan amount, the starting point of personal credit loan amount is 6,543,800 yuan, and the maximum loan amount for a single household is 300,000 yuan in principle. The borrower's credit rating is from A to AA+, and the maximum loanable amount is 6,543,800 yuan, 20,000 yuan, 30,000 yuan, 50,000 yuan, 6,543,800 yuan and 200,000 yuan respectively. For customers with personal credit rating of AAA and loan demand of more than 300,000 yuan, they need to be approved by branches, and those exceeding 500,000 yuan need to be reported to the head office for approval.
It is understood that personal credit loans are subject to the bank's benchmark interest rate for the same period, and the loan period of 6,543.8+0.5 million yuan is one year, and the principal and interest will be repaid once a month after the expiration of one year. A customer borrows 300,000 yuan, the term can be extended to three years, and the principal and interest are repaid every month.