Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.
Conditions for applying for a credit loan:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
What are the benefits of ICBC's five-star customers?
ICBC's five-star customers need a star point value of 2000 to 10000. If your current star point value is not enough and your star rating is low, you can increase the star point value by accumulating the comprehensive business volume of ICBC, including handling deposits, loans, purchasing wealth management products and spending more on credit cards.
As long as you meet the five-star customer standards, you can enjoy the following services and rights:
1, apply for financial gold card.
The card enjoys a number of fee reductions, such as the cost of production, annual fee, account management fee, and deposit-free counter in different places.
2. Assign credit card gold cards
ICBC issues credit card gold cards to five-star customers, and the standard of approval amount depends on personal credit.
3. Automatic credit line
ICBC will provide personal consumption credit loans to five-star customers, and the specific amount will be determined according to different people's credit conditions and local ICBC policies.
4. Preferential fees for formalities
1) remittance through train: the handling fee is 1% of the remittance amount, with a 50% discount for the lowest 2 yuan and the highest 50 yuan;
2) Personal deposits in different places: a handling fee of 0.5% of the deposit settlement amount is charged, with the lowest 2 yuan and the highest 100 yuan, and customers who have applied for a wealth management account card are free.
For more preferential information about ICBC's five-star customers, please visit: See More.
How much is a credit card for five-star ICBC customers?
This paper summarizes the credit standards that different star-rated customers can apply for, as follows: ICBC has studied and formulated the credit standards for star-rated customers according to the evaluation model of four-star customers and the internal rating results. Differentiate credit to star customers with ICBC credit cards or loans (with internal rating scores), and issue credit card products of different grades to different star customers. That is, for four-star customers, the comprehensive credit line can be approved as RMB 50,000; Allocate gold cards for five-star customers, and the comprehensive credit line can be approved to be 654.38+10,000 yuan; Allocate platinum cards for six-star customers, and the comprehensive credit line can be approved as 500,000 yuan; Allocate platinum cards for seven-star customers, and the comprehensive credit line can be approved as 6,543,800 yuan; For high-risk customers with an internal rating score of 5, credit card configuration and active adjustment are not recommended. For star-rated customers without cards and loans (no internal rating score for the time being), they should be slightly reduced on the basis of the above credit standards. That is, for four-star customers, the initial comprehensive credit line can be approved as 65,438 yuan+0,000 yuan; Allocate gold cards for five-star customers, and the initial comprehensive credit line can be approved as RMB 50,000;