Personal revolving loan refers to the personal loan with the highest mortgage (pledge), which is endowed with revolving function, and the borrower withdraws money several times within the revolving quota and service period agreed in the revolving loan contract and recycles it.

(Answer time: 65438+20201October 20th. In case of business changes, please refer to the actual situation. )

ICBC's personal consumption loan will be repaid in one year. Is it a revolving loan?

Personal revolving loan

I. Business Introduction

Personal revolving loan refers to a personal loan that is secured by the maximum mortgage (pledge) with revolving function, and the borrower can withdraw and recycle it several times within the revolving loan amount and service period stipulated in the revolving loan contract.

Second, the applicable object

Individuals who need revolving funds.

Third, the starting conditions

(1) General application conditions

Meet the loan conditions stipulated by the corresponding loan varieties of our bank.

(2) Special application conditions

The applicant who provides the maximum mortgage guarantee must meet the following conditions:

1. Citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents).

2. Have a permanent residence in Beijing or a valid residence certificate.

3. Our existing or potential high-quality customers meet one of the following conditions:

(1) The accumulated loan amount of the existing individual loan customers (including the settled loan customers) of the Bank or other banks is more than 300,000 yuan, and there is no record of default for two consecutive periods (inclusive) or four periods (inclusive) in the last two years.

(2) Our private banking customers, wealth management contracted customers or wealth management account customers.

(3) The average daily balance of the value of various financial assets such as deposits and national debt deposited by the applicant in our bank six months before the loan application date is more than 200,000 yuan (inclusive).

(4) Customers with Peony Credit Card (including credit card and quasi-credit card) and gold card (inclusive) have accumulated consumption points of more than 65,438+00000 (inclusive) within one year before the application date.

(5) Customers with personal (including spouse) real estate and other assets totaling more than 2 million yuan (including).

Fourth, the opening process

The applicant applies to the loan bank, and the loan bank conducts a loan investigation and reports it to the branch for approval. After approval, the loan funds will be paid to the agreed account. Customers applying for loans must provide the following information:

(1) Fill in the Personal Revolving Loan Application Form.

(2) If the maximum mortgage guarantee is adopted, relevant materials that meet the requirements of the bank shall also be provided.

(three) in accordance with the provisions of the corresponding loan varieties, the applicant is required to provide the corresponding materials.

Verb (abbreviation of verb) service channel and time

The personal credit business departments of 37 branches of the bank can accept this business application during normal business hours.

The maximum guarantee amount and revolving amount of intransitive verbs

(1) Maximum guarantee amount

The maximum amount of mortgage guarantee shall not exceed 70% of the value of collateral; If the maximum amount of pledge is adopted, the maximum amount of guarantee shall not exceed a certain proportion of the value of the pledged property. If more than one collateral is used for guarantee, the guarantee amount shall be calculated separately and added to obtain the maximum guarantee amount.

(2) Revolving quota

The maximum revolving amount shall not exceed the corresponding maximum guarantee amount. If there are other loans under the maximum guarantee, the maximum revolving amount shall be determined according to the following rules:

Maximum revolving line = maximum guarantee line-non-revolving loan balance under maximum guarantee-revolving loan line under maximum guarantee.

Seven. Duration of revolving credit line

The longest service period of revolving credit line shall not exceed 6 years (among which, personal household consumption loans and personal cultural consumption loans shall not exceed 5 years, and individuals shall not exceed 3 years), and the maturity date of revolving credit line shall be within the time limit for determining the creditor's rights agreed in the maximum guarantee contract, that is, within the time limit for determining the corresponding maximum secured creditor's rights.

Eight. Interest rate information

The withdrawal interest rate within the revolving line shall be implemented according to the provisions of the corresponding loan varieties, and the interest rate term grade shall be determined according to the maturity date corresponding to a single withdrawal.

Nine. Repayment method

The repayment methods of single withdrawal within the revolving line can be the monthly repayment method of equal principal and interest and the monthly repayment method of average capital. If the term of single withdrawal is 1 year (inclusive), the repayment method of monthly interest payment and one-time principal repayment can be adopted (except for personal business loans); If pledge is adopted, one-time repayment of principal and interest can also be adopted. If there are multiple withdrawals within the turnover limit, different repayment methods can be determined according to the borrower's situation and actual repayment ability.

Reference source:

ICBC's revolving loan function: one-time mortgage, recycling, and repayment as you borrow. What the hell does that mean? You don't have to pay interest when you don't use it, do you

That's a business activity loan, that is, the bank gives you credit once a year, pays interest every month and repays it in full every year.

Thank you. It seems that there is a mortgage revolving loan, a one-time mortgage, recycling, and returning with the loan. There is no interest when you don't use it, but you can borrow it after you use it, right?

Generally, it is a one-year cycle, and the contract is signed for 2-3 years.

My mortgage is handled by ICBC. Can I have a revolving loan?

1. No, the loan cannot be refunded. You can't sell the house until you pay it off. Transfer of the house with the loan. 2. The process is as follows:

Property certificate has been processed;

The buyer and the seller sign a sales contract, stipulating who will repay the loan;

The buyer and the seller go to the bank to sign a loan contract;

Approved by the bank;

Handle the seller's loan settlement;

After settlement, go through the transfer formalities with the housing management department;

Get the title certificate after transfer to the bank;

Bank loans;

The transaction ends;

Can I buy a house with ICBC loan for the first time with two mortgages?

You can go to two mortgage.

There are several items that need to be met: 1, the property has a residual value; 2. The house is not mortgaged in ICBC; 3. The property owner and the lover agree.

Secondary mortgage loan steps continue:

Make sure the house is not in the bank.

The mortgagor and the lover agree to the second mortgage.

Evaluate the value of the property through the appraisal company, and subtract the amount of the first mortgage to see if there is any residual value in the second mortgage. Calculation method ~ 70% of real estate appraisal value-first mortgage amount = residual value (loanable amount)

Find a bank or lending institution that can lend money, submit materials for approval, and draw up the preliminary examination quota and loan term. Required information: ID card, household registration book, credit report, household registration book (information provided by married couples plus marriage certificate). Divorce provides divorce certificate, judgment or divorce agreement)

After approval, the borrower accepts the preliminary examination quota and loan term. Banks or lending institutions send full-time personnel to check the authenticity of real estate information.

After confirming that the information is correct, the final amount will be paid and the borrower will accept the approved amount.

The borrower (mortgagor) and his wife bring all the materials together with the lender to the notary office for notarization of the loan.

The borrower (mortgagor) and both husband and wife bring all the information together with the lender to the Housing Authority where the mortgaged property is located to handle the secondary mortgage of the property.

The mortgage certificate is issued by the housing management office, and the lender will deposit the money into the bank account of the borrower (mortgagor).

The borrower (mortgagor) confirms that the payment is successful and completes the secondary mortgage.

Suggestion: Pay back on time and maintain good credit.

How to apply for personal housing mortgage loan of China Industrial and Commercial Bank?

Housing mortgage loans can be loaned to 69 years old according to age.

Real estate mortgage loan process:

The borrower opens a current deposit account in the bank;

Information required for preparing loans;

Face to face bank;

Bank filing and approval;

After approval by the bank, the bank will notify the borrower of the approval result and sign a loan contract with the borrower;

Go to the Construction Committee for mortgage registration;

Construction Committee issued his right certificate;

Handle insurance, notarization and other formalities as appropriate;

The bank directly transfers the loan to the account agreed in the contract;

The borrower shall repay the loan principal and interest according to the provisions of the loan contract.

Housing mortgage loan application materials:

Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);

Identity cards of the obligee and his spouse;

Household register of the obligee and spouse;

Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. );

If the owner of the real estate license has minor children, please provide a birth certificate;

If the property has a bank loan, please provide the original loan contract and the latest bank statement;

In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).

China Industrial and Commercial Bank's personal loan is unsecured and secured. How much can I borrow at a time?

The personal loan amount of a commercial bank starts from 6,543,800 yuan, and the longest period can reach 3 years. You can apply at one time, use it indefinitely, repay it with the loan, repay it in advance, or borrow it by yourself through POS or online banking.

The loan conditions require/kloc-China citizens with full civil capacity over 0/8 and under 60. At the same time, the borrower needs to prepare personal valid identity documents and valid residence certificates, stable income certificates and expired contracts.

Proof of repayment ability of fixed amount and interest rate. In terms of credit, it is necessary to have a good reputation and willingness to repay, without any illegal acts and bad records. Ask the loan applicant to open an account in ICBC, and the risk level will be obtained.

For the internal retail level above Grade B, the stock should be above 4 stars. In addition, one of the following conditions is required.

(1) Financial account customers must hold a financial account card of China Industrial and Commercial Bank of China 1 year or above.

And the quarterly average daily balance of financial assets in China Industrial and Commercial Bank in the past 1 year was above 200,000 yuan (inclusive);

(2) ICBC's non-pledged personal loans.

The total amount exceeds 6,543,800 yuan (inclusive), and there is no overdue record (including settled loans) for more than two consecutive years (inclusive).

(3) My family net assets (real estate and financial assets) are 3 million yuan (inclusive).

Above, or continuously owned in the past 6 months and the daily average financial assets are above 500,000 yuan (inclusive).

(4) High-quality individual customers of other banks who are not lower than ICBC's private banking, wealth management or Peony Platinum Card access standards. (5)

Personal annual income before tax is more than 200,000 yuan (inclusive). Those who meet the application conditions (2) to (5) must also provide various accounts, financial assets certificates and property ownership certificates owned by themselves. Meet the application conditions.

(6)

Yes, you must also provide the personal income tax payment certificate issued by the local tax authorities in the last year.

Can ICBC's e-credit line be recovered?

The amount of ICBC e-loan can be recycled, but every time you apply for a loan, you have to go through the examination and approval before you can get the loan amount. Rong E was 18-60 years old when he borrowed money, and he had a fixed job, a stable income source or a reliable repayment guarantee. Users should repay on time after handling, and cannot repay after the deadline.

ICBC can use it to repay E-loan after handling it. When handling loans, it can choose different repayment periods, ranging from the shortest two months to the longest two years, and some customers can enjoy a longer period. The interest generated by the loan is calculated according to the actual loan occupation days, and the user can return it in advance.

ICBC e-Loan can apply for loans through different channels such as mobile banking, online banking, ICBC e-Life app and ICBC e-Link app. Users can also bring relevant information to the bank outlets, and the loans will be received in real time as soon as possible.

ICBC's e-loan can be used for car purchase, home improvement, travel and shopping, but it cannot be used for securities market, futures market and real estate market, nor for private lending, nor for matters explicitly prohibited by national laws and regulations. If used illegally, it may be taken back.

Version information: ICBC version 7.10.3.0, ICBC Esheng version 4.10.5, Apple13 (iOS15.3.1system), Huawei Mate 40 (Harmony OS).