Loan terms:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;
3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships or enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;
6. It can provide legal, effective and reliable loan guarantee recognized by the lender;
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by China Industrial and Commercial Bank.
Extended data:
Loan application materials:
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;
3. Personal income certificate, such as personal tax payment certificate, salary certificate, personal dividend certificate in business unit, rental income, deposits in ICBC or other banks in the last six months, national debt, funds and other general financial assets certificates. ;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.
6. If the loan is secured, relevant information of the guarantor shall be provided;
7. Other information required by the bank.
Baidu Encyclopedia-Personal Commercial Loan of Industrial and Commercial Bank of China