2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.
6. It can provide legal, effective and reliable loan guarantee recognized by the lender.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
Extended data:
Loan type
I. Loans are divided into short-term loans, medium-term loans and long-term loans.
Short-term loans refer to loans with a loan term of 1 year.
Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Two, loans are divided into credit loans and secured loans according to whether there is guarantee or not.
Credit loans are loans issued by borrowers with good credit status. There is no "guarantor" and no other guarantee.
A secured loan refers to a loan provided by the borrower or a third party according to law. Secured loans include secured loans, mortgage loans and pledged loans.
Guaranteed loan, mortgage loan or pledge loan refers to the loan issued by way of guarantee, mortgage or pledge as stipulated in the Guarantee Law of People's Republic of China (PRC). For example, personal housing loans and automobile consumption loans are all secured loans with housing or automobiles as collateral.
Third, for rural credit cooperatives, according to the object and purpose of loans, there are mainly rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmer loans, agricultural economic organizations loans and other loans.
Four, the main types of personal loans provided by commercial banks
(1) Personal housing loan, including:
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2, personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
(B), personal car consumption loans
(3) Personal durable consumer goods loans
(4) Personal policy loans
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Baidu Encyclopedia-China Industrial and Commercial Bank Loan