Can ICBC borrow 30 thousand yuan?

Is the ICBC loan good?

Industrial and Commercial Bank of China (ICBC) made a credit loan once, and it's good to repay the loan. Unsecured credit loans mainly require stable income and good credit. Anyone who earned more than 2000 yuan last month can apply. It would be much easier if they were civil servants.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. With the deepening of China's financial reform and the acceleration of the pace of banking financial innovation in eastern economically developed areas, we should actively practice and explore effective ways for small and medium-sized enterprise credit loans.

Is the personal credit loan of ICBC easy to handle? What are the requirements?

In the era when credit is becoming more and more important, with good personal credit, you can apply for loans from banks and other financial institutions. Therefore, more and more people begin to pay attention to personal credit loans. A friend asked: Is it easy for ICBC to handle personal credit loans? What are the requirements? Today I'll give you an overview.

Personal credit loans of ICBC are not easy, and borrowers need to meet higher requirements. Because the lending standard of ICBC's personal credit loan is complicated, I can only introduce you to the basic application conditions.

Basic application conditions for personal credit loan of China Industrial and Commercial Bank

1. The borrower is a citizen of China, aged between 18 and 60 years old (inclusive);

2. Personal credit is good, and there is no record of illegal acts and non-performing loans;

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

4. Obtaining a risk level above Grade B (inclusive) in the rating system of China Industrial and Commercial Bank, and the star rating of existing customers should be above 4 stars (inclusive);

5. In addition to the above four items, the borrower shall also meet one of the following conditions:

(1) The borrower is a senior manager or senior professional and technical title among high-quality legal persons or institutional customers of China Industrial and Commercial Bank;

(2) The borrower belongs to the private banking, wealth management, peony platinum card or wealth management account customer of China Industrial and Commercial Bank;

(3) The accumulated amount of unsecured personal loans handled by China Industrial and Commercial Bank is above 6,543,800 yuan (inclusive);

(4) The net assets (real estate and financial assets) owned by the borrower's family are above 3 million yuan (inclusive), or have been owned continuously for nearly 6 months and the average daily financial assets are above 500,000 yuan (inclusive).

(5) Personal annual income before tax can reach 200,000 yuan (inclusive).

The above are the conditions for handling personal credit loans of ICBC. Generally speaking, ICBC's personal credit loan application threshold is relatively high, and it is not easy to apply successfully.