ICBC's personal credit loan has the function of revolving loan: one-time application, recycling, repayment with the loan, convenient and fast, and self-service loan issuance can be realized through merchant POS and online banking. Then, what conditions and materials do you need to apply for personal credit loans from ICBC?
I. Basic conditions for applying for ICBC's personal credit loan business
1, a citizen of China with full capacity for civil conduct, aged between 18 and 60 inclusive.
2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3 has a stable source of income and the ability to repay the principal and interest of the loan in full on time.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. ICBC has a group of customers with four or more stars.
7. Open a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.
Two, in addition to the above basic conditions, but also need to meet one of the following conditions.
(1), senior manager and senior professional title of ICBC's high-quality legal person or institutional customer. Among them, high-quality legal persons or institutions that pay wages to ICBC customers must be regular employees who have worked in the above-mentioned units for more than three years (inclusive), or personnel with the rank of major or above in the garrison and armed police forces;
(2) ICBC private banking, wealth management, peony platinum card or wealth management account customers. If you are a wealth management account customer, you must hold the ICBC wealth management account card 1 year or more, and the quarterly average daily balance of financial assets in ICBC in recent 1 year is above 200,000 yuan (inclusive);
(3) The accumulated amount of unsecured personal loans in China Industrial and Commercial Bank is more than 6,543,800 yuan (inclusive), and there is no overdue record (including settled loans) for more than 2 years (inclusive);
(4) My family net assets (real estate and financial assets) are more than 3 million yuan (inclusive), or I have been in possession for nearly 6 months and my daily average financial assets are more than 500,000 yuan (inclusive);
(5) High-quality individual customers of other banks who are not lower than ICBC's private banking, wealth management or Peony Platinum Card access standards;
(6) The annual personal income is above 200,000 yuan before tax (inclusive).
Three. Information required for applying for personal credit loan business of China Industrial and Commercial Bank.
1. Valid identity documents and proof of marital status of myself and my spouse (marriage certificate, divorce certificate or unmarried statement, etc.). ).
2. My household registration certificate (household registration book or other valid residence certificate).
3. My income certificate and occupation certificate.
4. A certificate or statement on the purpose of the loan, and a promise that the loan will not enter the securities market or futures market, be used for real estate development or equity investment, or be used for borrowing to seek illegal income;
5. Those who meet the application conditions (1) must also provide the valid job certificate of the employer or the professional and technical grade certificate issued by the relevant state departments. If the borrower is only a payroll customer of ICBC, it must also provide the labor contract signed by the borrower's work unit.
6. If the application conditions (2) to (5) are met, I shall also provide all kinds of accounts, certificates of financial assets and certificates of property ownership.
7. If the application conditions (6) are met, the personal income tax payment certificate of 1 year issued by the local tax authorities shall also be provided.
8. Other information required by the bank.
What conditions does ICBC need for personal loans?
To apply for a personal loan in China Industrial and Commercial Bank, you should meet the following conditions:
1. China citizens with full capacity for civil conduct, aged between 18 and 65 (inclusive), and the sum of their age and loan term shall not exceed 70.
2. The applicant's work unit or habitual residence is in the place where the loan issuing institution is located.
3. Have a fixed job, a stable source of income or a reliable repayment guarantee.
4. Personal credit is good, and there is no bad information record in the credit report.
What are the requirements for handling personal loans at ICBC?
Basic conditions for ICBC to handle personal loans
1. China citizens with full civil capacity are between 18 (inclusive) and 60 (inclusive).
2. It has legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. ICBC's stock customers should have more than 4 stars.
7. Open a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands and low interest rates are trustworthy. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.