1. What are the conditions for ICBC to apply for loans to small and micro enterprises?

(1) To apply for a small and micro enterprise loan from ICBC in the name of the company, the basic conditions of the lender are:

1. meets the basic conditions for ICBC to handle loans.

2. The lender's credit rating is Grade A..

3. Approved and registered by the industrial and commercial department, holding a loan card issued by the People's Bank of China (China logo code);

4. Opening in ICBC

5. Other requirements of ICBC: tax payment certificate, enterprise process and contract.

(two) the basic conditions for applying in the name of an individual:

1, a natural person with full civil capacity, age 1, excluding), and two or more * * * lenders must be investors or shareholders of the same business entity or project at the above age;

Registration certificate (or valid residence certificate) and proof of marital status;

3. The lender has legal business qualification, and can provide business licenses, business licenses, merchant business licenses, booth certificates or others for individual industrial and commercial households and partnership enterprises as legal persons.

4. Have a stable income source and publishing house.

5. It has a good repayment record, and the lender and its business entities have no bad credit records in our bank;

6. The credit rating in our bank is above Grade C (inclusive);

7. Other conditions required by China Industrial and Commercial Bank.

Two. Industrial and commercial bank of China small and micro enterprises

1, submit the application materials.

Lenders apply for loans from ICBC, mainly by submitting loan requirements.

Step 2 sign a contract

If it is considered feasible after the approval of ICBC, the lender shall sign a loan contract, a guarantee contract and other legal documents with ICBC.

3. Implement safeguards

Where a guarantee is needed, the lender shall, after signing the loan contract with China Industrial and Commercial Bank of China, take the guarantee measures such as vouchers, mortgages and pledges, and go through the formalities of guarantee registration, notarization or mortgage insurance, and deposit the pledge in China Industrial and Commercial Bank of China.

4. Loan acquisition

Procedures, the loan contract will take effect, and the lender can handle the industrial and commercial funds according to the contract.

5. Repayment

Loan.

Three. China Industrial and Commercial Bank Small and Micro Enterprise Loan Application Materials

1, business license, organization registration certificate, or business license (such as three certificates in one), the latest annual inspection certificate is required;

2. Identification certificate of the legal representative;

3, approved by the finance department or accounting (auditing) firm for the first three years and the latest financial statements and audit reports (if the enterprise has been established for less than three years, provide the annual and recent statements since its establishment);

4. Company contract or articles of association;

5 members of the board of directors (shareholders' meeting), the main person in charge, the financial person in charge of the list and signature samples;

6. If an authorized customer is entrusted to handle the credit business, the power of attorney of the legal representative of the enterprise (original) shall be provided;

7. If the lender is a limited liability company, a joint stock limited company, a joint venture company or a contracting enterprise, it is required to provide a resolution, document or document with the same legal effect that the board of directors (shareholders' meeting) or the employer agrees to apply for credit business;

8. Relevant materials of the guarantor;

9. Other information required by China Industrial and Commercial Bank. (If you have any loan needs, please contact us through the lower right corner, and we will provide you with a bank loan suitable for your own loan scheme. )

Ii. ICBC loan conditions

China Industrial and Commercial Bank loan terms:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income and good credit.

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house, without economic pressure.

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors, repay the loan principal and interest and bear joint and several liabilities.

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank. The materials to be submitted when applying for a loan, and the required copies.

Extended data:

Loan repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.