Bring your ID card, household register, social security card, employer certificate, and collateral (not necessary, but it will be more convenient if you have them, including stocks, birth certificates, etc.) when you come to any Any bank can handle it.

Applicant requirements

Chinese citizens who have a fixed residence in China, a local urban permanent residence (or valid certificate), full capacity for civil conduct, and meet the following conditions are eligible. Apply for a personal credit loan.

1. Have a legitimate occupation and a stable source of income (monthly salary income must be more than 1,000 yuan), and have the ability to repay the principal and interest of the loan on time;

2. The borrower’s employer Must be an administrative, enterprise, or institution recognized by the bank and have a good cooperative relationship with the bank, and the bank must pay wages on its behalf;

3. Abide by laws and regulations, and have no illegal activities or bad records;

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4. Open a personal settlement account at the Industrial and Commercial Bank of China and agree to the bank deducting the principal and interest of the loan from the designated personal settlement account;

5. Other conditions stipulated by the bank.

2. Loan Amount

The starting point for a personal credit loan is 2,000 yuan, and the loan amount shall not exceed 10 times the borrower's average monthly salary income, and the maximum shall not exceed 100,000 yuan.

3. Loan period

The loan period of personal credit loan is less than 1 year (inclusive), and extension is generally not available. If the loan cannot be repaid on time due to force majeure, the lender can Agree can be extended once, and the cumulative loan period shall not exceed 1 year.

IV. Loan interest rate

The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. If the interest rate is adjusted during the loan period, it will be calculated based on the contract interest rate and will not be calculated in installments. If the loan term is less than 6 months, interest will be calculated based on the 6-month interest rate. The fastest disbursement is one working day!