The borrower needs to provide ID card, employment certificate, credit report certificate (generally handled by the lending bank), address certificate and personal salary card to fill out a loan application at the lending institution. Loans are available only after approval.

ICBC offers many types of loans with different application conditions. The following conditions need to be met:

1. A Chinese citizen who is over 18 years old and has full capacity for civil conduct;

2. The applicant’s work unit or regular residence is at the location of the lending institution ;

3. Have a fixed job, a stable source of income or a reliable repayment guarantee.

1. Loan: (electronic debit note credit loan) is a simple and popular understanding of borrowing money that requires interest. A loan is a credit activity in which a bank or other financial institution lends monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Through lending and monetary funds, banks can meet society's demand for supplementary funds, expand reproduction, and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Loans: Today, more and more people born in the 1980s and 1990s take out loans to buy houses and cars. For a time, the loan business provided by banks became the "new favorite" of the times. However, it is still a bit difficult to successfully obtain a loan from a bank, and it is not easy to obtain a loan within certain time periods. Now let us share some tips for successful loans, hoping to help more people successfully obtain loans. Reasons for the loan: During the loan application process, the borrower must be frank and clear, and state in detail the purpose of the loan and the personal advantages of repaying the loan. For example: good personal credit record.

3. Loan amount: The loan amount that the borrower applies for at the bank should not be too high. The larger the amount, the greater the possibility of failure. However, this is not what lenders want. They certainly don’t want their loan funds to go without loan changes for half a month. If the lender applies for a larger loan amount, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

4. Loan description: Fill in the application materials in detail, including loan purpose, personal credit record, source of income, repayment ability, family income, etc., to ensure that your loan can be repaid on time no matter when and where Where is the money? Repayment: After successfully applying for a loan, the borrower must repay within the specified time. Don’t risk delaying repayment and causing a bad personal credit record. In addition, relevant departments will do their best to recover overdue loans.