ICBC has many kinds of loans, including personal credit loans, mortgage loans, mortgage loans and so on. The conditions of various loan types are different. You should choose your own loan type first, and then inquire about the relevant loan conditions.

Credit loans generally depend on your personal income, credit and so on. Mortgage loans should also evaluate the property you want to mortgage.

2. What are the loan terms of China Industrial and Commercial Bank?

The credit loan conditions of commercial banks are as follows:

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.

The starting point of the loan amount is 6,543,800 yuan, with the maximum not exceeding 500,000 yuan.

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. What conditions does China Industrial and Commercial Bank need for a loan?

Loan repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

3. Can ICBC apply for a salary loan?

It is not difficult to apply.

China Industrial and Commercial Bank wage loan conditions:

Employees of enterprises and institutions with stable and continuous wage income, with a monthly income of more than 3,000 yuan and working for half a year, can apply for the loan.

(1) The loan term is less than 1 year (inclusive).

(2) The loan interest rate is subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range is subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months,

Interest is calculated at the rate of 6 months.

(3) The starting point of the loan amount is 2,000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum amount shall not exceed 20,000 yuan.

(4) Generally, loans are not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.

4. What are the conditions for ICBC to lend to individuals?

Application conditions:

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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 job with a legitimate and stable income and 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; Bright pants

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.

= "excellent-QB-diver" > 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) Having held the personal finance fund account of China Industrial and Commercial Bank for more than 1 year (inclusive), with an average annual deposit balance of 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).