China citizens with full capacity for civil conduct who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place.

Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;

Without a bad credit record, the loan cannot be used for buying a house, trading stocks or gambling.

Application materials for micro-credit loan of China Industrial and Commercial Bank:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.