In the past, when people encountered financial difficulties, they would choose to borrow money from relatives and friends around them. But now they are in urgent need, and everyone will choose to apply for a loan. As one of the four major banks in China, ICBC is naturally the loan bank that many friends will choose. What are the requirements for handling credit loans at ICBC?

It is understood that ICBC currently mainly provides two kinds of credit loan services, namely personal credit loan and ICBC Easy Loan, and different loan products have different requirements for borrowers.

1, personal credit loan

Personal credit loan is an unsecured credit loan product issued by China Industrial and Commercial Bank to customers with good personal qualifications. Borrowers applying for personal credit loans need to meet the following conditions:

1) Borrower 18-60 years old, with full capacity for civil conduct;

2) The borrower's personal credit status is good, and there is no bad record such as breach of contract;

3) Have a stable income, the ability to repay the loan principal and interest, and a good willingness to repay;

4) Being a four-star or above customer of China Industrial and Commercial Bank, and obtaining a risk level of B or above in the internal rating system of China Industrial and Commercial Bank;

5) The borrower's annual income before tax should be more than 200,000 yuan, or the family net assets should be more than 3 million yuan;

6) The borrower has continuously owned financial assets with a daily average of more than 500,000 yuan in the last six months;

7) The accumulated amount of unsecured personal loans handled by ICBC is greater than 1 10,000, and it has maintained a good repayment record for two consecutive years;

8) The borrower is a customer of Peony Platinum Card, wealth management, private bank or wealth management account of China Industrial and Commercial Bank;

9) The borrower is a high-quality legal person or senior manager of institutional clients.

As can be seen from the above, the requirements of industrial and commercial personal credit loan products for borrowers are still relatively high, and only high-quality users of ICBC have the opportunity to apply for loans. If we don't meet the conditions of ICBC's credit loan, then we can apply for ICBC Easy Loan, which is a credit consumer credit product launched by ICBC for the bank's credit card and debit card users. The maximum loan amount is 200,000 yuan, and the borrower has four terms of 6,/kloc-0, 2, 24 and 36 months to choose from. Applicants need to meet the following conditions:

1. The applicant is between 18-70 years old and has full capacity for civil conduct;

2. Personal credit status is good;

3. Being a credit card holder or debit card holder of ICBC.

Compared with ICBC's personal credit loan, the borrowing threshold of easy loan products is much lower. You can choose a loan product that suits you according to your actual situation, and pay attention to maintaining a good repayment record after borrowing.

2. What are the recruitment requirements of ICBC?

The basic conditions for social recruitment of ICBC are generally as follows:

1, with good political quality, excellent ideology and morality, and good appearance temperament.

2. Obtain a nationally recognized undergraduate degree or above and a corresponding degree.

3. Have good English skills. Bachelor degree, must pass CET4-4 with a score of 425 or above; Or score above 630 in TOEIC, or score above 75 in new TOEFL -IBT, or score above 5.5 in IELTS. Those with master's degree or above must pass CET-6 with a score of 425 or above, or TOEFL-IBT with a score of 7 15 or above, or IELTS with a score of 6.5 or above.

4. Have two years or more relevant working experience.

5. Skillful use of computer office system software, strong learning and communication skills and good teamwork spirit.

3. How long will it take for ICBC's credit loan to arrive?

After you apply for financing e-loan, the system will automatically review it in real time.

For customers who already have ICBC credit cards, they will directly enter the automatic approval stage. After the approval, the loan funds will be transferred in real time.

For the first loan handled by non-ICBC credit card customers, it is necessary to conduct manual investigation and verification first, and then automatically approve or manually approve after confirming the customer's own application. The fastest loan fund transfer needs 1 day, with an average of 2-3 working days.

Tips:

You can log in to ICBC e-Student and select "Finance-Finance e-Loan-Progress Query" to check the application progress. If there is no result for a long time, you can call ICBC customer service hotline 95588 for manual detailed verification.

(Answer time: June 5438 +20201October 8. In case of business changes, please refer to the actual situation. )

Iv. Personal credit loan conditions of ICBC

ICBC has a credit loan (mobile phone Baidu "Baidu cash loan", looking for the best way to borrow money). How to apply for a credit loan from ICBC? What are the application conditions for ICBC credit card loans? What materials should be provided for handling? 1, a citizen of China who must be at least 18 years old but under 60 years old and have full capacity for civil conduct; 2. Legal identity certificate and residence certificate. Pay attention to the account where the loan bank is located; 3. Have a good credit record and willingness to repay; 4. Have a stable job and income source, and be able to repay the loan principal and interest on time; 5. China Industrial and Commercial Bank can control risks, and the borrower should obtain a risk rating report of Grade B or above in its rating system; 6. Have a personal deposit or salary card account in China Industrial and Commercial Bank; 7. Require that an individual's annual income before tax is not less than 200,000 yuan, or that the family owns more than 3 million assets; 8. ICBC's quality customers refer to the senior managers and technicians of some institutions, who should have worked in these institutions for three years or more; 9. There is no overdue record of arrears in ICBC for two consecutive years; What materials do I need to apply for an ICBC credit loan? (1) When a borrower applies for a personal credit loan from a bank, he must fill in the application form in writing and submit the following materials: his valid identity certificate; (2) proof of residential address (household registration book, etc.). ); Personal professional certificate; (3) proof of income of the loan applicant himself and his family members; (4) Other information required by the bank. The detailed suggestion is to speed up lending and inquire about local formal lending institutions.