Nice loan. China Industrial and Commercial Bank's Requirements for Personal Credit Loan;

1, a China citizen with full capacity for civil conduct, aged between 18 and 60 years old (inclusive);

2. Possess the legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located;

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

4. Have a good credit record and willingness to repay, without any illegal acts and bad records;

5. In the retail internal rating system of China Industrial and Commercial Bank, the risk level is above Grade B (inclusive);

6. ICBC has stock customers with a star rating of 4 or above;

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

8. Other conditions stipulated by the bank.

Answer 2:

Nice loan. I. Borrower of Industrial and Commercial Bank of China

Borrowers applying for personal small short-term credit loans shall meet the following conditions:

1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Open peony credit card or current savings account in China Industrial and Commercial Bank;

6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;

7. Other conditions stipulated by the lender.

Second, the loan application

When applying for a loan, the borrower shall provide the following information to the lender:

1, loan application approval form;

2. My valid ID. □ Support target: young people under the age of 40 who start their own businesses for the first time; Small and medium-sized enterprise loans for young entrepreneurs under the age of 40 to start their second business.

Is it easy for ICBC to apply for personal consumption loans? What are the requirements?

Now, more and more people are handling consumer loans. Under normal circumstances, people will give priority to applying for consumer loans from banks, especially the four major state-owned banks. Someone asked: Is it easy for ICBC to apply for personal consumption loans? What are the requirements? Is it good to apply for personal consumption loans from ICBC here?

There are many kinds of personal consumption loans of ICBC, including e loan, personal home consumption loan, personal car loan, easy loan, personal cultural consumption loan, personal student loan and personal study abroad loan. Here, taking e-loan and personal cultural consumption loan as examples, how about applying for personal consumption loan from ICBC?

Rong e steet

Rong e loan is an online loan product, which can be handled through ICBC mobile banking and ICBC online banking. Application conditions:

1, age 18 or above, ICBC customer, personal credit record is good;

2. The work unit or fixed residence is in the location of the card issuer;

3. Have stable income and strong willingness to repay, and be able to repay in full and on time.

Personal cultural consumption loan

Personal cultural consumption loans can help lenders to participate in personal education and training, tourism and so on. Personal cultural consumption loans require borrowers to apply for guarantees, such as mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee. Application conditions:

1, aged between 18 (inclusive) and 65 (inclusive);

2. Good personal credit and sufficient repayment ability;

3. It has a clear, legal and compliant loan purpose and can provide certain guarantees;

4. Comply with the evaluation regulations of China Industrial and Commercial Bank.

As can be seen from the above, the application difficulty of different products of ICBC's personal consumption loan is different. Generally speaking, it is not difficult for people with good comprehensive credit to get loans.

Is the industrial and commercial provident fund loan easy to borrow?

Nice loan. Industrial and commercial provident fund loans are good loans, and whether ICBC loan provident fund is easy to pass is mainly related to users' personal credit qualifications. Generally speaking, as long as the user's personal credit status is good, his work is stable and his income reaches the standard, the provident fund can basically pass after submitting the application.

Is it difficult to approve ICBC's mortgage? Focus on reviewing these points!

Although house prices are rising, many people still choose to buy houses. ICBC mortgage is a good loan method, so is it difficult to approve ICBC mortgage? In fact, the mortgage review will go through several major processes, and you only need to pay attention to a few points.

1, personal credit information

Because the mortgage term is relatively long and the repayment amount is high, in order to ensure that the borrower can repay on time, the personal credit information of the buyer will be emphatically reviewed, and the credit information of both husband and wife may affect the ultimate success of the mortgage. If there is a stain, ICBC will definitely reject the applicant's mortgage application. Therefore, friends should take good care of their personal credit information, not to mention overdue repayment, even if the number of inquiries is as small as possible.

2. Solvency

To apply for ICBC mortgage, you must provide bank running water, work certificate and other financial certificates. ICBC will definitely decide whether to give you a loan and the length of the loan according to your work unit and monthly income. Generally, the monthly mortgage payment cannot exceed half of the monthly income, and the bank will also measure the borrower's repayment ability according to the social security accumulation fund paid by the applicant.

3. Occupation

Although it is said that 36 banks are the best, different job stability is different. If the borrower's work is similar to unstable factors such as waiters, salesmen, fresh graduates who are still on probation, and outdoor workers at high altitude, it is also unpopular in ICBC. The reason is nothing more than fear that the applicant will be unable to repay the loan after leaving his job or losing his job in the future.

To sum up, ICBC's mortgage approval is not difficult, mainly depending on these aspects. Everyone must ensure good personal credit and provide enough proof of repayment to have a chance of success.

Has the loan of 65,438,000 yuan from ICBC been approved?

Whether the ICBC loan of 654.38+10,000 yuan is approved depends on the comprehensive situation of the borrower. If the borrower's personal comprehensive situation is good, ICBC's loan of 654.38 million yuan is easier to pass the examination and approval; If the borrower's personal comprehensive situation is poor, ICBC may refuse the borrower's loan application.

Comprehensive information includes economic status, credit history, liabilities, loan purpose, collateral value (if mortgage loan is needed), completeness and authenticity of materials, aging, etc. Moreover, different ICBC loan products have different requirements for loans, and the approval difficulty is also different.

To obtain a loan of RMB 654.38 million from China Industrial and Commercial Bank, the borrower must meet the following conditions:

1. At least 18 years old, with full capacity for civil conduct.

Two, with valid identity documents, household registration certificate or valid residence certificate.

3. Have a good credit record, no bad credit record in the personal credit information system of the People's Bank of China, and have the willingness to repay.

Fourth, have a stable income and a stable residence.

Five, the monthly income needs to be greater than or equal to twice the monthly supply.

6. Meet other conditions stipulated by ICBC.

The borrower needs to provide true, effective and complete materials when making a loan, otherwise it will affect the approval of the loan. After all the conditions are met, the borrower can go to ICBC to handle the loan business.

What is the easiest bank loan?

Bank loans from Agricultural Bank, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Shanghai Pudong Development Bank are all relatively easy.

1, Agricultural Bank:

Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The loan business includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement;

Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc.

2. ICBC:

The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

Adhering to market orientation and customer-centeredness, ICBC accelerated business innovation, improved customer service, and strived to build the first retail bank in China, winning the Best State-owned Retail Bank Award in China issued by Asian Banker magazine.

3. Bank of Communications:

Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches and 99 provincial branches/KLOC-0, which are distributed in 239 cities above prefecture level.

158 county or county-level city * * 3270 business outlets; It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International.

4. China Construction Bank:

It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

5. Shanghai Pudong Development Bank:

The main business of Shanghai Pudong Development Bank includes absorbing public deposits, issuing short-term, medium-term and long-term loans, settlement, bill discounting, issuing financial bonds, issuing agents, paying agents, underwriting government bonds, buying and selling government bonds, interbank lending, providing letter of credit services and guarantees, etc. Including wealth creation of Shanghai Pudong Development Bank, supply chain financing, pension business, cash management, asset custody and offshore bank.

Matters needing attention in loan:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.