ICBC loan conditions:

1. Pledge loan:

1. Natural person with corresponding civil capacity;

2. It promises that the loan funds will not be used in the securities market, futures market, real estate development, investment, or lending to others;

3. Pledge recognized by ICBC can be provided as a guarantee;

4. Open ICBC settlement account;

5. Have a personal customer certificate or electronic password device from ICBC Electronic Banking;

6. Other conditions specified by the bank.

2. Housing loan:

1. Have a permanent urban residence or valid residence status in this city;

2. Have a legal house purchase contract or agreement;< /p>

3. Have a down payment of no less than the prescribed proportion;

4. Have a mortgage asset recognized by ICBC, or a guarantor who is able to repay the loan amount;

5. Meet other conditions of ICBC.

To apply for a loan from ICBC, you generally need to meet the following conditions:

1. The borrower is over 18 years old and has full capacity for civil conduct;

2. Have a legal and valid identity document;

3. Have good credit;

4. Can provide a guarantee recognized by the Industrial and Commercial Bank of China;

5. Have a stable income and be able to repay the principal and interest of the loan.

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