1. natural person with age 18-65;
2. My actual age plus the loan application period shall not exceed 70 years old;
3. Have a stable job, a stable income, and the ability to repay the loan principal and interest on schedule;
4. Good, no bad record;
5. Other conditions specified.
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Industrial Bank:
I. Loan interest rate
The loan execution interest rate shall be subject to the provisions of the local branch of Industrial Bank.
Second, the loan repayment method
For loans with a loan term of less than half a year (inclusive), the repayment method of principal and interest at maturity shall be adopted;
For loans with a loan term exceeding 65,438+0 years (inclusive), the principal shall be repaid by installments with monthly interest, or the principal and interest shall be repaid by equal monthly repayment.
Third, the application materials
1. Travel contract or letter of intent signed by the borrower and the travel agency;
2. The borrower's ID card, household registration book and passport;
3. The real estate license under the name of the borrower (including spouse) or the income certificate issued by the borrower's unit;
4. Other information required by Industrial Bank.
Annual fee-free policy: Puka Gold Card swipes the card five times to avoid the annual fee for the following year.
Handling fee for cash advance: RMB: 2% of cash advance, with a minimum of 20 yuan/transaction (regardless of different places in the same city). Foreign currency: 2% of cash advance, with a minimum of 2 yuan dollars/transaction (regardless of the same city and different places).
Multi-account management: Bank * * * enjoys independent repayment on the billing date.
Staging business: supports staging business; Interest-free installment for specific merchants (3, 6, 12), bill installment business (goods, merchants 3, 6, 12, 18, 24), and single consumption installment (3, 6, 12, 65438).
Billing date: according to different card types and billing dates, cardholders can change once every six months.
The minimum credit card loan amount of Industrial Bank is 2,000 yuan and the maximum is 50,000 yuan. However, it should be noted that the credit card loan amount cannot exceed the approved cash advance range of my account. After applying for a credit card loan, the borrower can choose to repay the handling fee in installments or at one time. The shortest repayment period is 3 installments and the longest is 36 installments.
The credit cards of Industrial Bank are mainly divided into two categories. One is standard card, including gold card and general card. Puka is free of annual fee in the first year. If you swipe your card five times, you will be exempted from the annual fee in the second year. The amount of the gold card is 50,000 yuan, and the annual fee can be waived by swiping the card five times a year. The other is Platinum Card, which contains many types of credit cards. The annual fee is also divided into 500 yuan, 600 yuan, 900 yuan and 2600 yuan.