The application conditions for ICBC Personal Home Consumption Loan are as follows:

1. Applicants must be between 18 and 65 years old and must be natural persons with full capacity for civil conduct;

2. Have good personal credit and willingness to repay;

3. Have the ability to repay, have a stable source of income and provide proof of income source;

4. Meet the purpose of loan application and meet other conditions for personal loans from ICBC.

ICBC credit card loan method:

Operating environment: Open the ICBC app version 6.0

2. Open and log in to the ICBC APP. Registration is required for the first login. .

3. Find the "Loan" option on the main page.

4. Click the "Loan" option to enter. After entering the page, you can see the "Financial e-borrowing" option, click "Financial e-borrowing".

5. You can see the available loan amount and click "Borrow Now".

6. Fill in the amount to be borrowed according to the prompts on the page, select the repayment method and loan period, then enter the mobile phone number, enter the correct verification code, and click "Next" to submit the credit card loan application.

Application conditions:

1. Existing customers of ICBC, the customer star rating should be 4 stars (inclusive) or above.

2. Open a personal settlement account at ICBC.

3 Chinese citizens with full capacity for civil conduct, aged between 18 (inclusive) and 60 (inclusive).

4. Have a stable source of income and the ability to repay the principal and interest of the loan in full on schedule.

5. Obtain a risk grade of B (inclusive) or above in the ICBC retail internal rating system.

6. Have a good credit record and willingness to repay, without any illegal behavior or bad records.

7. Have legal and valid identity certificate and valid residence certificate (or household registration certificate of the location of the lending bank).

8. Other conditions specified by the bank.

In addition to meeting the above basic conditions, one of the following conditions must also be met:

(1) The individual has self-owned assets of more than 2 million yuan (inclusive);

(2) are middle and senior managers and senior professional technicians of high-quality corporate customers of ICBC;

(3) are Peony Platinum Card customers;

(4) hold Have an ICBC personal wealth management account for 1 year or more and the average annual deposit balance of the account is 200,000 yuan or more;

(5) Be an ICBC personal loan customer with a loan amount of 500,000 yuan or more and continuously Customers with no default repayment records for more than 2 years include customers whose loans have been settled.

Information that should be submitted when applying for a loan. When a borrower applies for a personal credit loan from a bank, he or she must fill in the application form in writing and submit the following information:

1. Valid identity document;

2. Proof of residential address;

3. Proof of income of the loan applicant and his family members;

4. Proof of personal occupation; 5. Other information required by the bank .

Loan interest rate

If the loan term of ICBC personal credit loan is less than one year, the loan interest rate is 4.35; if the loan term is between one to three years, the loan interest rate is 4.75 . The specific business handling standards are subject to the regulations of the local branch of the Industrial and Commercial Bank of China, so you should consult the local Industrial and Commercial Bank of China in detail before handling the relevant procedures.