1. China citizen with full capacity for civil conduct 18 years old or above;

2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;

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

4. It is best to obtain a risk level of B or above in the internal rating system of ICBC retail;

5. Open a personal settlement account in China Industrial and Commercial Bank.

2. How to apply for ICBC's personal fast loan?

1. The borrower needs to submit a series of materials to the bank except the ID card, including

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

(1) my valid identity document;

(2) proof of residential address (household registration book, etc.). );

(3) Personal professional certificate;

(4) proof of income of the loan applicant himself and his family members;

(5) Other information required by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate under the name of the individual (or spouse);

(3) peony platinum card customer information;

(4) Customer certification materials of China Industrial and Commercial Bank's wealth management account;

(5) China Industrial and Commercial Bank personal loan contract text.

2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.

3. The bank issues loans to borrowers through transfer.

3. What are the conditions for ICBC's personal loan?

The application conditions for personal housing consumption loan of ICBC are as follows: 1. The age of application is between 18-65 years old, and they are all natural persons with full capacity for civil conduct; 2. Have good personal credit information and repayment willingness; 3. Have the ability to repay, have a stable source of income and provide proof of income source; 4. Meet the purpose of applying for a loan and other conditions of personal loan of China Industrial and Commercial Bank. : ICBC credit card loan method: Operating environment: Open the second edition of China Industrial and Commercial Bank app6.0, open and log in to ICBC app, and you need to register for the first time. 3. Find the loan option on the home page. 4. Click the "Loan" option to enter. After entering the page, you can see the "electronic borrowing" option and click "electronic borrowing". 5. You can see the amount you can borrow, and click "Borrow Now". 6. Fill in the amount to be borrowed according to the page prompts, select the repayment method and loan term, then enter the mobile phone number and the correct verification code, and click "Next" to submit the credit card loan application. Application conditions: 1. ICBC's existing customers should reach 4 stars or above. 2. Open a personal settlement account in China Industrial and Commercial Bank. China citizens with full capacity for civil conduct, aged between 18 and 60 (inclusive). 4 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time. 5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank. 6. Have a good credit record and willingness to repay, without any illegal acts and bad records. 7. Have a valid identity certificate and a valid residence certificate (or the household registration certificate of the place where the loan bank is located). 8. Other conditions stipulated by the bank. In addition to meeting the above basic conditions, it also meets one of the following conditions: (1) Personal owned assets are more than 2 million yuan (inclusive); (2) Senior managers and senior professional and technical personnel of ICBC's high-quality corporate customers; (3) Peony Platinum Card customers; (4) Holding a personal wealth management account of China Industrial and Commercial Bank 1 year or above, with an average annual deposit balance of 200,000 yuan or above; (5) It is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of 500,000 yuan or more, and has no record of default repayment for more than two consecutive years, including customers whose loans have been settled. Materials to be submitted when applying for a loan When applying for a personal credit loan from a bank, the borrower needs to fill in an application form in writing and submit the following materials: 1, my valid identity certificate; 2. Proof of address; 3 proof of income of the loan applicant and his family members; 4. Personal professional certificate; 5. Other information stipulated by the bank. The loan interest rate is 4.35% for ICBC personal credit loans with a loan term of less than one year and 4.75% for loans with a loan term of one to three years. The specific business handling standards are subject to the regulations of the local branch of China Industrial and Commercial Bank. Please consult the local industrial and commercial bank in detail before handling the relevant procedures.

4. What are the personal loan conditions of ICBC?

One of the basic conditions of ICBC's personal consumption loan is to have a mortgage, but the standards vary from place to place. For example, only commercial houses (facade houses) can be used as collateral, and some places can use houses as collateral. Secondly, it is necessary to provide the borrower's ID card, marriage certificate, work certificate, income certificate and collateral (real estate license, land certificate). Go to the bank to apply for a loan first, and bring the ID card, marriage certificate, work certificate, income certificate and collateral (real estate certificate and land certificate) of both husband and wife of the borrower (third-party collateral is also acceptable). If the bank loan officer decides that it is ok, he can fill in the loan contract and mortgage contract.

The interest rate depends on how many years you have borrowed, and then it will rise by 30% according to the interest rate stipulated by the state. Every place is different.

It is ok to prepay, and there is no charge.