1, individual housing loan:
Loans granted by ICBC to borrowers for purchasing houses built and sold (pre-sold) by real estate development enterprises according to law mainly include first-hand personal housing loans, second-hand personal housing loans, personal housing portfolio loans and personal housing provident fund loans.
2. Personal commercial loans:
Renminbi secured loans for business activities include personal business loans and personal business loans.
3. Personal consumption loans:
Banks provide RMB loans to individual customers for designated consumption purposes, including the following four types:
1) ICBC Financial E-loan is a credit consumption loan of ICBC, which can only be used for personal consumption without mortgage guarantee.
2) Personal pledge loan: that is, the loan that the lender applies for with time deposits, national debt and other products under his own name as security.
3) Personal loan for studying abroad: The loan granted by China Industrial and Commercial Bank to the borrower is mainly used to pay the tuition and fees, living expenses, accompanying fees and other expenses required by the borrower or his immediate family members during their study abroad.
4) Personal home consumption loan: it can be used to decorate houses, buy house decoration materials, durable consumer goods and other large consumer goods, which can be recovered upon application or returned with the loan.
5) Personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recovered once applied.
4. Personal car loan:
Is used to buy a car loan, divided into personal car loans and personal commercial car loans. The former is used to buy a car, and the latter is used to make a profit by buying a car loan.