Anjule installment credit card According to relevant information, Anjule is a credit card installment credit card business launched by ICBC for high-quality mortgage customers. All customers who handle personal housing mortgage loan business can apply for customized installment credit cards. Mortgage loan, also known as house mortgage loan.

How to apply for personal housing mortgage loan of China Industrial and Commercial Bank?

What is the process for ICBC to handle housing mortgage loans?

1. Housing mortgage loan process: The borrower fills in the Application Form for Housing Mortgage Loan before the loan, and submits the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal identity certificate of the borrower; The certificate of ownership of the house stipulated by law or the certificate that I have control over the house; Appraisal report, appraisal certificate and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2 loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or in the final stage of the loan (installment repayment); ② Early settlement: If the borrower settles part or all of the loan in advance before the loan maturity date, he shall apply to the bank in advance according to the loan contract, and go to the designated accounting counter for repayment after the approval of the bank.

3. After the loan is settled, the borrower will take back the legal documents and relevant supporting documents received by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation procedures with the borrower. Original mortgage registration department and loan settlement certificate.

4. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a house mortgage loan contract and notarize it. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the housing sales unit or construction unit specified in the house purchase contract or agreement.

Bank mortgage loans can be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. The use of real estate mortgage loans generally needs to be evaluated first. After evaluation, the loan can reach 70% or 80% of the evaluation price.

What are the procedures for ICBC to handle real estate mortgage loans?

1. ICBC real estate mortgage loan procedures: husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account for nearly half a year. During the mortgage period, the bank shall review the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a house mortgage loan contract and notarize it.

2. After the contract is signed and notarized, the bank transfers the borrower's deposits and loans to the house sales unit or construction unit agreed in the house purchase contract or agreement. Husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or evidence, and bank statement of personal account in the past six months. Extended information: ICBC housing mortgage loan conditions: natural person with full civil capacity, age 18 years old (inclusive) -65 years old (exclusive); The borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, and should have lived in People's Republic of China (PRC) (China) for one year and have a fixed residence and occupation; Have valid identity documents, household registration certificate (valid residence certificate) and marital status certificate (or unmarried statement). Good credit record and willingness to repay; Have a stable source of income and the ability to repay the loan principal and interest in full and on time; There is a clear purpose of the loan, in line with national laws.

3. Projects that may not be used for borrowing and seeking illegal income, as well as projects explicitly prohibited by other national laws and regulations; Being able to provide legal, effective and reliable mortgage loans recognized by banks; Open a personal settlement account in China Industrial and Commercial Bank; Other conditions stipulated by the bank.

What is the mortgage loan procedure of ICBC?

1. To apply for housing mortgage loan, you need to provide the following documents: real estate license, ID card of both husband and wife, original ID card and copy of D account book. Need proof of unmarried. If the registered permanent residence of husband and wife are not together, a marriage certificate shall be provided. Borrowing other people's housing mortgage loans, it should also provide the relevant information of the third party and the proof that the owner, husband and wife or co-owners agree to the mortgage loan.

China Industrial and Commercial Bank Housing Mortgage Loan Procedures

1, housing mortgage loans can be extended to 69 years old according to age. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Information needed to prepare the loan; Face to face bank; Bank filing and approval; After the bank has passed the audit, it will notify the borrower of the audit results and sign a loan contract with the borrower; Go to the Construction Committee for mortgage registration; Certificate of other rights issued by the Construction Committee; Handle insurance, notarization and other formalities as appropriate; The bank directly transfers the loan to the account agreed in the contract; The borrower shall repay the principal and interest in accordance with the provisions of the loan contract.

2. Housing mortgage loan application materials: real estate license (the real estate license and land certificate must be mortgaged to the bank when the house is mortgaged to the bank); Identity cards of creditors and spouses; Household registration books of creditors and spouses; Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans.

3. If the owner of the real estate license has minor children, please provide a birth certificate; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other property certificates, stocks, funds, cash passbook, vehicle driver's license, etc.). ) try.

The process and cost of ICBC's mortgage loan for real estate license.

The process of real estate mortgage is very simple. Providing information-evaluation-qualification examination-loan approval-mortgage-there is generally only one evaluation fee in the whole mortgage loan process. For others, unless your qualifications are in question, the bank will force some notarization and insurance, and the cost is very low.

What are the conditions for ICBC e-loan to obtain fast loans?

The loan terms are as follows:

1. The borrower must be the business owners and individual industrial and commercial households of small and micro enterprises with integrity and personal settlement accounts in ICBC and mobile banking;

2. The borrower is between 18 (inclusive) and 65 (exclusive), and has legal and valid identity certificate and full capacity for civil conduct;

Three, in the local urban areas have high-quality housing property rights and can provide mortgage guarantee;

Four, the borrower's small and micro enterprises must be established for more than one year, and the industrial and commercial registration is normal.

1. What product is ICBC e-Express Loan?

"E-to-fast loan" is an online loan in which the borrower takes high-quality real estate in a specific area as collateral and the loan funds can be used for daily production and operation.

Specific areas include Dalian, Ningbo, Qingdao, Shenzhen and Xiamen. Please consult ICBC customer service for specific areas. It is suggested to pay attention to the official account of local ICBC WeChat WeChat official account for relevant information.

Second, the characteristics of loans

1. The maximum loan amount is about 5 million yuan;

2. The daily interest rate of 1 10,000 yuan is as low as 1.2 yuan (daily borrowing110,000 yuan is 1.2 yuan interest);

3. Online self-service application, photo uploading of materials;

4. Real estate online evaluation, completed within 2 to 3 days at the earliest;

5. Pay interest on a monthly basis, and repay the principal in one lump sum at maturity (interest first, principal later).

Third, the application process

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android 1 1 MIUI 13.

Application version: 7.0. 1.2.6

1. Log in to ICBC mobile APP and click on the loan;

2. Choose Xiao Wei e-loan and choose online loan;

3. After waiting for the automatic approval of the system, the bank accepts the mortgage registration;

4. Log in to ICBC Mobile Banking for self-withdrawal;

5. Pay interest on time every month, and repay the principal in one lump sum when due.

Four. The advantages and disadvantages of ICBC e-fast loan are as follows:

1. Advantages

It has a wide range of users, as long as it is a small and micro enterprise or individual industrial and commercial households, it can apply. As long as the borrower's age is between 18-65 and there is no problem with personal credit information, small and micro enterprises, small and micro business owners and individual industrial and commercial households can apply for loans.

The application channel is convenient and fast. To apply for this product, you don't need to provide the tap water certificate of the enterprise or business owner, just apply online in the APP. Moreover, the loan interest rate of this product is relatively low, and the interest rate of 4.05% is even lower than the interest rate of 5.05% of ordinary mortgages.

2. Deficiencies

The examination conditions are strict. As long as the user applies for ICBC's e-loan, the applicant's conditions need to be examined every year. Once the applicant's conditions are not met, the user will not be able to successfully apply for ICBC's e-fast loan.

ICBC's e-fast loan is not suitable for people without real estate, because ICBC's e-fast loan is a loan business that requires users to use mortgage to reach the application amount. After the user successfully applies for this product, the loan amount of this product is only used for production and operation.

ICBC launched ICBC e-fast loan to strengthen policy support for small and micro enterprises. Users can apply online, evaluate online, and borrow and repay commercial loans for many years. In most cases, they provide support to extend the principal and interest to support small and micro enterprises to tide over the difficulties.

How much can ICBC mortgage a house?

Under normal circumstances, the maximum mortgage loan can be 70% of the house value, and the amount of the next payment is related to the value of the house mortgaged by the lender. If it is a house with a market value of 654.38 million yuan, you can apply for a loan of 700,000 yuan, and customers can consult the local Industrial and Commercial Bank.

After handling the mortgage loan, the customer should remember to repay the loan in time as agreed. If the customer is overdue, it will affect his personal credit information and generate penalty interest. If it is overdue for many times, the bank will terminate the loan contract in advance or even dispose of the collateral according to the regulations.

Does ICBC have mortgage loan business?

Can apply, each bank is different, depending on personal conditions.

Housing mortgage loan requires the service life of the house to be within 20 years; Strong liquidity. The amount of mortgage loan is 80% of the appraised value of the house. The term of new house loan shall not exceed 30 years, and the term of second-hand house loan shall not exceed 20 years. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. Under normal circumstances, "house age and borrower age" shall not exceed 70 years old.

Basic conditions for applying for a loan:

1. A natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Loan amount and term:

1. The highest mortgage rate of commercial housing can reach 80%;

2. The mortgage rate of office buildings and shops can reach 60%;

3. The mortgage rate of industrial plants can reach 50%;

4. Up to 30 years; Mortgages include shops, office buildings, houses, villas, factories, warehouses, etc.

Real estate mortgage registration business process:

Registration period of real estate mortgage loan: 7 working days

The following certificates shall be provided:

1. real estate license;

2. Evaluation report;

3. Bank loan contract for real estate mortgage loan;

4. Mortgagor's ID card (check the original);

5. Other relevant information.

Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of examination and approval, preparation of certificate 1 day, and payment and issuance of certificate 1 day. Personal mortgage consumption and portfolio loan filing means that you apply for RMB loan from our bank for personal legal and compliant consumption or business purposes with real estate mortgage as the guarantee.

Specific business processing standards shall be implemented in accordance with the regulations of local branches. In order to save your time, please call during the working hours of the loan bank.

If you need to inquire about the information of personal loan outlets, you can edit the short message "Loan outlets" to 95588, or follow the official account of "ICBC Customer Service" on WeChat and reply to "Loan outlets" for information on loan types and contact information.

Can ICBC mortgage loans?

Of course, you can get a loan. As long as you repay the mortgage on time, your personal credit will not be affected and there will be no problem with the loan. Generally, you only need to provide personal identification and proof of stable income.

Let's stop here for the introduction of ICBC mortgage loan.