Credit loans, auto loans, pledge loans, personal commercial vehicle loans, personal housing mortgage loans, business loans, student loans, comprehensive consumer loans, first-hand personal housing loans, second-hand personal housing loans, personal housing direct loans, fixed-rate personal housing loans, provident fund and housing portfolio loans, personal commercial housing loans, personal self-built housing loans, repayment methods and services, loan contract changes and adjustments, and supervision of second-hand housing transaction funds.
The most common loan methods are:
A. Credit loans
Personal credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to borrowers with good credit standing without providing guarantee.
service function
As long as you maintain and have good personal credit, you can get a certain amount of bank loans without guarantee. Customers who meet the requirements of specific access customers can also enjoy more preferential services.
Application condition
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtain the personal credit rating of China Industrial and Commercial Bank of China above Grade A;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle-level managers and senior professional and technical personnel of ICBC's quality company customers;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Holding the personal financial account of China Industrial and Commercial Bank 1 year (inclusive) or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
☆ Loan amount
The starting point of the loan amount is 6,543,800 yuan, with the maximum not exceeding 500,000 yuan (inclusive).
length of maturity
The loan term is generally 1 year (inclusive), and the longest is no more than 3 years. Personal credit loans are generally not granted. If it is really impossible to repay the loan on time due to force majeure or accidents, with the consent of the bank, if the loan term is within 1 year (inclusive), it can be extended once. The extension period shall not exceed the original loan period, and the accumulated loan period (including the extension period) shall not exceed 1 year.
loan rate
The loan interest rate shall be implemented in accordance with the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China;
Personal credit loans use the transaction interest method to calculate interest.
Repayment method
If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, monthly, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the repayment method of monthly principal and interest shall be adopted.
☆ Information to be submitted when applying for a loan.
When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:
1. My valid ID;
2. Proof of residential address (household registration book, etc. );
3. Personal professional certificate;
4. Proof of income of the loan applicant and his family members;
5. Other information required by the bank.
According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:
(1) A written certificate of the post and professional technical level issued by the personnel department of the client unit of the high-quality enterprise.
(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate in the name of individual (or spouse).
(3) Peony Platinum Card customer information.
(4) Customer certification materials of ICBC wealth management account.
(5) China Industrial and Commercial Bank personal loan contract text.
B. Pledged loans
Personal pledge loan is a RMB loan that the borrower applies to China Industrial and Commercial Bank with legal and effective pledge that meets the requirements stipulated by the bank.
service function
With the characteristics of diverse materials (such as bank deposits, government bonds, life insurance policies, personal foreign exchange trading funds, etc.). ), the procedure is simple and the loan amount is high. In addition, the Bank has also launched the online banking personal pledge loan business and the bancassurance policy pledge loan business, which can greatly save your processing time.
Application condition
1. Living in China with full capacity for civil conduct;
2. Have a good credit record and willingness to repay;
3. Have the ability to repay the loan principal and interest;
4. Provide a valid certificate of rights recognized by the bank as a pledge guarantee;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
☆ Loan amount
The minimum loan amount for a single (household) is 5,000 yuan (inclusive) and the maximum loan amount is 6,543,800 yuan. The maximum amount of online banking pledge loan shall not exceed 6,543,800 yuan.
length of maturity
The loan term is generally 1 year, and the longest is not more than 3 years (inclusive).
loan rate
The loan interest rate shall be subject to the fixed interest rate of the People's Bank of China in the same period and at the same level, and the floating range shall be implemented according to the relevant provisions of the People's Bank of China. If the loan term is less than 6 months, the interest rate shall be 6 months;
Personal pledge loan uses transaction interest method to calculate interest.
Repayment method
If the loan term is less than 1 year (inclusive), the repayment method of one-time principal and interest shall be adopted; If the loan term exceeds 65,438+0 years, the repayment method of monthly (quarterly) interest repayment, one-time repayment of principal and interest or equal repayment of principal and interest on a monthly basis and average repayment of principal can be adopted.
☆ Information to be submitted when applying for a loan.
When a borrower applies for a personal pledge loan from a bank, it shall fill in the application form in writing and submit the following materials:
1. The applicant's own valid identity document, and if the third party is hijacked, it must also provide the valid identity document of the third party;
2. Effective pledge certificate. If there is a third party pledge, it shall also provide a written certificate of consent to pledge signed by the acceptor, the loan applicant and the third party. The personal insurance policy used in the pledge loan of bancassurance policy must be the product designated by Industrial and Commercial Bank of China.
3. Other information required by the bank.
C. Housing mortgage loan
Personal housing mortgage loan is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to borrowers for personal legal and compliance purposes with the real estate under their names as collateral. Personal housing mortgage loan can be used for buying a house, buying a car, studying abroad, medical care and other consumer purposes. , and can also be used for commercial or other legal purposes to meet your diversified loan needs.
☆ Applicable object
The borrower of personal housing mortgage loan should be a natural person with full civil capacity, aged between 18 and 65 (inclusive), with good credit record and repayment willingness, and can provide effective staged guarantee.
☆ Characteristic advantages
1. The loan has a wide range of uses and convenient loan procedures;
2. The range of collateral is wide, and houses, commercial houses or dual-use houses under the borrower's name can be used for mortgage;
3. The loan amount is high and there are many repayment methods.
☆ Starting conditions
To obtain our personal housing mortgage loan, we need to meet the following conditions:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation. If the loan is used to buy a house, they must also comply with the relevant policies for foreigners to buy a house in China;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. 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;
6. Can provide legal, effective and reliable house mortgage recognized by the bank;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by the bank.
If you plan to apply for personal housing mortgage loan, you need to prepare and provide the following information in advance:
1. Personal housing mortgage loan application form;
2. The original and photocopy of the valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate of the borrower and his spouse;
3. Personal income certificate, such as personal tax payment certificate, salary certificate, investment income certificate, and average financial assets in our bank or other banks in the last 6 months;
4. Certificate or statement of loan use;
5. 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; Certificate of the property owner (including * * * property owner) agreeing to mortgage; If the mortgaged property needs to be assessed, the original assessment report shall be provided;
6. Other documents or materials required by the bank.
☆ Loan amount
The loan amount can be up to 70% of the value of the mortgaged property.
length of maturity
The loan term shall not exceed 20 years at the longest, and shall not exceed 10 year unless the loan is used for house purchase; The sum of the borrower's age and the loan term shall not exceed 65 years.
loan rate
The interest rate of individual housing mortgage loan is calculated according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may fluctuate according to the regulations;
If the loan term is less than 1 year (inclusive), it shall be calculated at the contract interest rate; If the loan term exceeds 1 year, if the interest rate of the People's Bank of China is adjusted, it will be adjusted according to the adjustment time agreed in the contract.
Repayment method
Individual housing mortgage loans can be repaid by monthly matching principal and interest, monthly average principal and interest, weekly principal and interest (biweekly and biweekly) and "free repayment";
If the loan term is within 1 year (inclusive), the repayment method of repayment of principal and interest by installments (monthly interest, quarterly interest, semi-annual interest, annual interest) and monthly interest and one-time interest at maturity can be adopted.