1. Does ICBC have house mortgage loan business?

ICBC's personal housing mortgage comprehensive consumption loan means that you provide mortgage guarantee for the second or more homes in your name or your spouse's name, and apply to ICBC for a RMB loan for personal legal and compliance consumption purposes. The application conditions for comprehensive consumer loans with personal house mortgages are:

1. Aged between 25 (inclusive) and 60 (inclusive);

2. Have a fixed job and be in the local Official staff who have worked in the unit for at least one year.

3. Have legal and valid proof of identity and household registration certificate (or valid proof of residence) where the loan bank is located;

4. Have a good credit record and willingness to repay, and have no illegal behavior Behavior and bad records;

5. Have a stable source of income and the ability to repay the principal and interest of the loan in full on time;

6. Have a clear purpose for the loan and can provide valid real estate Mortgage;

7. Open a settlement account at ICBC.

Warm reminder:

Since there may be differences in different regions, please contact your lending bank to confirm the specific regulations before applying.

2. What conditions need to be met to apply for ICBC’s personal housing mortgage comprehensive consumer loan?

The application conditions for personal house mortgage comprehensive consumer loans are: 1. Aged between 25 (inclusive) and 60 (inclusive); 2. Have a fixed employer and have worked in the employer for at least one year. Official staff. 3. Have a legal and valid identity certificate and household registration certificate (or valid residence certificate) where the loan bank is located; 4. Have a good credit record and willingness to repay, and have no illegal activities or bad records; 5. Have a stable source of income and be on schedule The ability to repay the principal and interest of the loan in full; 6. Have a clear purpose for the loan and be able to provide a valid real estate mortgage; 7. Open a settlement account with our bank. Warm reminder: Since there may be differences in different regions, please contact your lending bank to confirm the specific regulations before applying.

3. What is ICBC’s personal house mortgage comprehensive consumer loan?

The maximum limit of the personal house mortgage comprehensive consumer loan is 5 million. Our bank will review your application amount based on specific circumstances, please refer to the actual issuance~

IV. ICBC Personal Housing Mortgage Loan

Personal Housing Mortgage Comprehensive Consumer Loan It refers to the mortgage guarantee provided for the housing in the name of the borrower's family (including the borrower, spouse, excluding minor children), and the borrower's (and spouse's) immediate family members (excluding minor children), and applies to ICBC for personal legal cooperation. RMB loans for consumption purposes. This loan may not flow into the securities market, futures market, or be used for equity investment or real estate project development in any form. It may not be used for home purchase, business, lending, or other projects that are expressly prohibited by national laws and regulations. Please log in to mobile banking, select the "Home Page - All - Deposits and Loans - Personal Housing Mortgage" function to apply for a personal housing mortgage comprehensive consumer loan. Warm reminder: Customers in some areas can apply through the "Intelligent Finance-Business Hall-Personal Loan Area" column of the "ICBC Customer Service" WeChat public account. Please refer to the page for details. (Answer time: January 17, 2023. In case of business changes, please refer to the actual situation.)