Personal credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to customers with good credit standing without providing guarantee. ☆ Product features
Loan amount and term: the initial loan amount is 6,543,800 yuan, and the longest loan term can reach 3 years.
It has the function of revolving loan: one-time application, recycling, returning with the loan, convenient and fast, and self-service loan issuance can be realized through merchant POS and online banking. Application condition
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. In addition to the above basic conditions, it also meets one of the following conditions:
(1) Senior managers and senior professional titles of ICBC's high-quality enterprises or institutional customers. 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 wealth management account card of China Industrial and Commercial Bank of China 1 year or more, and the quarterly average daily balance of financial assets in China Industrial and Commercial Bank of China in recent 1 year is more than 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 two consecutive years (inclusive).
(4) My family net assets (real estate, financial assets) are more than 3 million yuan (inclusive), or I have owned it 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). ☆ Application materials
1. Valid identity documents and proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc. ) photos.
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 of the purpose of the loan, which promises that the loan will not enter the securities market or futures market, be used for real estate development and 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, all kinds of accounts, certificates of financial assets and certificates of property ownership owned by me shall also be provided.
7. If the application conditions (6) are met, the personal income tax payment certificate issued by the local tax authorities in the latest year shall also be provided.
8. Other information required by the bank. (The above contents are for reference only, and the specific business handling standards shall be subject to the regulations of the local branch of China Industrial and Commercial Bank. In order to save your time, please consult the local industrial and commercial bank in detail before going through the relevant formalities. )