ICBC's personal credit loan refers to the RMB credit loan issued by China Industrial and Commercial Bank to customers with good credit standing without providing guarantee. Personal credit loan conditions of ICBC: 1. China citizens with full capacity for civil conduct, aged between 18 and 60 (inclusive); 2. Possess the legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located; 3. Have a stable source of income and the ability to repay the loan principal and interest in full and on time; 4. Have a good credit record and willingness to repay, without any illegal acts and bad records; 5. In the retail internal rating system of China Industrial and Commercial Bank, the risk level is above Grade B (inclusive); 6. ICBC has stock customers with a star rating of 4 or above; 7. Open a personal settlement account in China Industrial and Commercial Bank; 8. Other conditions stipulated by the bank.
Second, what are the conditions for personal wage loans?
Personal wage loan application conditions:
1. National civil servants, institutions and enterprise employees with good economic benefits, standardized management, stable workforce and full capacity for civil conduct;
2. Have a fixed occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;
3. The borrower abides by laws and regulations and has no illegal acts, bad credit records and debts;
4. Other conditions stipulated by the cooperative bank.
3. What are the requirements for personal loan100000?
If you need a loan of100000, if it is unsecured, then the applicant's qualification should be very good. If it is not good, then you need to apply for real estate mortgage. However, personal credit loans are also feasible. The application conditions of personal credit loan are: the bank requires the borrower to have a stable job and a fixed residence; Personal credit status is good; The monthly income conditions of loans also have certain conditions. Meet some basic application conditions of personal credit loan, and you can apply for a loan from the bank by providing proof of work income, water, electricity and coal bills and three-month bank salary bills.