What are the requirements for applying for an ICBC loan?
Conditions for applying for ICBC loan:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle-level managers and senior professional and technical personnel of ICBC's quality company customers.
(2) The individual's own assets are more than 2 million yuan (inclusive).
(3) Peony Platinum Card customers.
(4) Having held the personal finance account of China Industrial and Commercial Bank for more than 65,438+0 years (inclusive) and the average annual deposit balance of the account is more than 200,000 yuan (inclusive).
(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
What are the conditions for ICBC loan?
The conditions required for ICBC loans are basically the same as those for other banks to handle loans;
Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate vehicles;
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
These procedures are usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
What are the conditions for ICBC loan? Can college students get loans?
Yes But this requires conditions.
What conditions does ICBC need for personal loans?
1. A natural person with full civil capacity, aged between 18-60 years old. Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence.
2. Have a valid identity certificate and proof of marital status.
3. Obtained a credit rating of D or above in China Industrial and Commercial Bank.
4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses for merchants, booths, industries, etc.). ) and the property right or contract lease certificate of the business premises.
5. Have the ability to repay the loan principal and interest in full and on time.
6. It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions.
7. In addition to credit, legal, effective and reliable loan guarantees recognized by China Industrial and Commercial Bank can be provided.
8. Open a personal settlement account in China Industrial and Commercial Bank.
9. Other conditions required by China Industrial and Commercial Bank.
Loans are mainly in the following ways:
bank
If you really want a loan, you must have a guarantor and collateral. This is the bank's policy.
The interest is 5%. It's 100.50 yuan a month, and you must borrow money for more than one year. The quota can take care of you, otherwise it must be above 65438+ 10,000 to 1.5 million.
Need to know the minimum information of your family, ID card, household registration book, land certificate, home address, parents' work unit, actual repayment ability and entrepreneurial projects, which will be considered comprehensively before approval.
The country does have college students' venture funds to lend, but that is a national policy, which does not mean that it can be fully implemented.
You see, the loan is so easy. What should I do if I don't? Even if the country has the money to open experiments for college students, the national bank should make money to eat, and it is more willing to lend money to entrepreneurs with good reputation, which is safer and more profitable. So approval is very difficult.
lending bank
The examination and approval is fast, the interest is high, the time is short, and the guarantor and collateral are needed. The interest is 3 cents.
pawnshop
Interest is 4 points, you have no collateral, no real estate, and you can't get a loan.
rural credit cooperatives
Mortgage agricultural products, land, etc.
postal savings
Have a fixed income and a fixed job.
Private lending
Gangdom, you are a student and won't lend it to you.
Unless your parents are very good, just sign it, and the interest is ten cents. Borrow 100 yuan a month and pay it back 10, and some of it still carries interest. No, it can still torture you.
deceiver
Are there any unsecured advertisements on the Internet? It's all a lie, and some of them charge interest and run away. Some use your credit to brush money. You just graduated, and your credits are too important to you. If you really become a boss or something in the future, with a bad bank record, you will never get a loan for starting a business. But also involves many other problems, which is very troublesome.
Therefore, college students with no stable income, no one to help guarantee the mortgage, the project is not very good, and the loan is difficult.
My advice to you is to do some unprofitable business first, such as education or online shop, with small investment, big return and small risk.
What are the requirements for applying for a bank loan?
If you have our bank in your city, you can try to apply for a personal loan through our bank (generally using real estate as collateral).
The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.
What information and conditions does ICBC need to apply for a loan?
If it is a credit loan, the materials are as follows:
1, ID card;
2. Credit information in the last six months, and the credit information is good;
3. The bank card under the name for nearly half a year has been flowing without interruption;
4. Proof of residence permit (rental contract, real estate license, water and electricity invoices for the last three months)
5. Income certificate issued by the work unit.
What are the conditions for a bank loan?
Marriage certificate: husband and wife ID card: personal income certificate: and bank running water and mortgage.
The premise is that there is no loan before, and the loan has no bad record.
At present, there are generally three ways of personal guarantee:
1, mortgage, with types accounting for more than 80%;
2. Guarantee, the category accounts for about15%;
3. Margin, category accounts for about 5%;
The landlord should guess the credit limit that the bank can provide you and the possibility of loan approval through the guarantee that he can provide to the bank. If the landlord can provide collateral approved by the bank, such as real estate, land, factory buildings, etc. The loan is most likely to be approved and the amount is the highest, followed by the guarantee, but the bank's credit review of the guarantor is very strict. So I suggest that the landlord take a mortgage loan.
You can consult the personal finance department of each bank, and they will tell you the specific materials and other conditions that need to be provided for the loan.
What are the requirements for bank loans?
Materials to be prepared for the loan:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. Lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months)
5. Income certificate issued by the lender's work unit.
If you don't have a job, you can make a mortgage, such as a house or a car.
Is it necessary for ICBC to lend100000 couples?
Do couples have to be present to apply for a bank mortgage loan?
When both husband and wife buy a house and sign a sales contract, both parties should try to be present. If they can't arrive, they can sign first and then, but they must ensure that they sign themselves. Sign the sales contract and pay the down payment. Generally, a person can go to the bank to transfer money to his family. After the transfer, put away the transfer slip and down payment receipt written by your family. Because of the loan to buy a house, signed a sales contract and paid a down payment, you can sign a loan contract. Both husband and wife should be present at this time. Because husband and wife are in the same debt, no matter who is the main lender, the other lender must be present. The materials needed for the loan include: ID card, household registration book, marriage certificate, income certificate, bank account, down payment receipt and transfer receipt.
What information do borrowers of ICBC need to prepare? I won't buy it until I get married.
The materials to be prepared for ICBC loan repayment are as follows: 1. Resident identity card and household registration book; Two. * * * Letter of Commitment for Repayment, Letter of Commitment for Agreeing to Mortgage and Letter of Guarantee; Three. * * * Details of housing provident fund paid by the same borrower; Four. * * * Personal credit certificate provided by the borrower's unit.
What are the requirements for handling personal loans at ICBC?
If you refer to Ronge Loan, "Ronge Loan" is a personal credit loan brand of ICBC, and the application conditions are as follows:
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. If you need a personal credit loan, you can log on to ICBC E-Student and inquire through "Finance-Finance E-Loan".
If you need to know about other loans, please use the mobile browser to open the mobile phone portal of ICBC, and select "Client Download" to download the client of mobile banking (Rong E Bank). After installation, you can log in to ICBC Mobile Banking (Rong E Bank) and select "My Customer Service" through the client to contact the manual service to reflect your problem.
(Answer time: 65438+ 17, 2020 10 month. In case of business changes, please refer to the actual situation. )
Does ICBC have a marriage loan?
Yes
ICBC launched the Happiness Loan business, which not only includes more than 20 personal loan products, but also has special functions such as revolving loan, credit card and online loan.
Happy Home Portfolio Loan RMB loans granted by China Industrial and Commercial Bank to individual customers for purchasing houses, decoration, parking spaces and household articles, RMB loans granted by China Industrial and Commercial Bank to individual customers for purchasing domestic and imported cars for various business and life purposes, and student loans granted by China Industrial and Commercial Bank to individual customers for helping their immediate family members or guardians complete their studies abroad or in Hong Kong, Macao and Taiwan.
This is the end of the introduction of ICBC marriage loan, and the amount of marriage loan. I wonder if you found the information you need from it?