Application conditions: 1, 18 years old and no more than 60 years old, with full capacity for civil conduct;

2. Hold a valid ID card.

3. ABC e-banking customers, and hold the safety certification tools issued by ABC;

4. Good credit status, no bad letters.

5. Stable income and the ability to repay credit on schedule;

6. There is no unexpired or unsettled "Netjet Loan" line.

2. What are the conditions for ICBC's Cai Yun loan?

ICBC's "Cai Yun Loan" is a kind of real estate mortgage loan, which mainly meets the personal consumption funds and the liquidity needs of small and micro owners and individual industrial and commercial enterprises. The maximum amount of a single loan is 7 million yuan, of which 2 million yuan can be used for consumption and 5 million yuan can be used for operation, and the longest term is 10 year. During the promotion period from 2022 12 to March 3, 20231,the one-year annualized interest rate (simple interest) was as low as 3.6%. Eligible customers only need to bring their real estate license, ID card, ICBC debit card and proof of use to any ICBC outlet, and at the same time, they can provide customers with equal monthly repayment of funds and monthly principal and interest.

Three. ICBC loan terms

ICBC loan terms

There are many types of ICBC loans. The loan conditions, procedures and required materials are as follows:

Apply for personal conditions of ICBC

1 A natural person with full capacity for civil conduct, aged between 18-60 years old.

Have legal and valid identification and proof of marital status.

(3) Obtaining a credit rating of D or above in China Industrial and Commercial Bank.

4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses of merchants, booths, industries, etc.). ) and the property right certificate or contract lease certificate of the business premises.

Have the ability to repay the loan principal and interest in full and on time.

6 have a good willingness to repay.

7. Can provide effective guarantee.

Open a personal settlement account in China Industrial and Commercial Bank.

Other conditions required by China Industrial and Commercial Bank.

4. What are the terms of ICBC's online loan?

1. The borrower is over 18 years old and has full capacity for civil conduct. 2. The borrower can provide valid identity certificate and valid residence certificate. 3. The borrower should have stable occupational and economic income. 4. The borrower can fulfill the loan guarantee conditions. 5. The borrower has a legal and stable income source and the ability to repay the loan. 6. The borrower has a clear loan purpose. 7. Other conditions stipulated by China Industrial and Commercial Bank. For more information about ICBC's online loan conditions, please visit:/ask/7E954b1616094033.html? Zd view more content