The loan terms of China Industrial and Commercial Bank are as follows:
1. The applicant is between 25 and 60 years old.
2. Have a good personal credit record.
3. Have a stable source of income and the ability to repay on time.
4. There are clear loan purposes.
5. The supplier's bank recognizes the legal, effective and reliable collateral.
6. The lender agrees to other conditions stipulated by China Industrial and Commercial Bank.
ICBC loan process:
1. User application: the loan user goes to ICBC, gets the application form, fills it in according to the above contents, and then submits the application form and application materials to the staff.
2. Signing a contract: After ICBC receives the applicant's information, the staff will review and investigate. If it meets the loan conditions, both parties will sign a loan contract and a guarantee contract, and then go through the relevant notarization and mortgage registration procedures.
3. Lending: After the approval of the bank, all procedures are completed and the bank operates to issue loans.
China Industrial and Commercial Bank Housing Mortgage Loan Process
For residential mortgage loan, the following documents are required: house property right certificate, ID cards of husband and wife, original and photocopy of household registration book (unmarried certificate) (marriage certificate is required if the husband and wife are not registered together), as well as relevant information of third parties and proof that the owner, husband and wife or co-owners agree to mortgage loan.
What is ICBC mortgage loan?
Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and is used for legal and compliance purposes such as operation and consumption.
China Industrial and Commercial Bank's personal housing mortgage loan has many purposes: it can be used for business, car purchase, education, medical care, large consumption of durable consumer goods and other legal and compliance purposes.
A wide range of collateral: houses, commercial houses and dual-use houses under the name of customers (including spouses) can be used for mortgage.
High loan amount: up to 70% of the mortgaged property value.
It has the function of revolving loan: one-time mortgage, recycling, repayment with the loan, convenient and fast, and self-service loan can be issued through merchant POS and online banking.
The loan condition is a natural person with full civil capacity, aged between 18 (inclusive) and 65 (exclusive); Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) (China) for one year and have a fixed residence and occupation; Having legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement); Have a 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 loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income and other projects explicitly prohibited by national laws and regulations; Can 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.
The application materials include the valid identity documents of the borrower and his spouse, the household registration certificate (household registration book or other valid residence certificate), and the original and photocopy of the marital status certificate; Personal income certificate, such as personal tax payment certificate, salary certificate, investment income certificate, and average financial assets certificate in ICBC or other banks in recent 6 months. Certificate or statement of loan use; The ownership certificate of the mortgaged property, if the mortgaged property has obtained the land use right certificate, it shall also provide the land use right certificate; Other documents or information required by the bank.
The introduction of industrial and commercial mortgage loans ends here.