Application conditions:
1. The age of a natural person with full civil capacity is between 18 (inclusive) and 60 years old (exclusive). If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence;
2. Have legal and valid identity certificates and proof of marital status;
3. Obtained a credit rating of D or above in China Industrial and Commercial Bank;
4. Have legal business qualifications and fixed business premises, and be able to provide legal business licenses (or business licenses of merchants, booth certificates, industry business licenses, etc.). ) and the property right or contract and 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 known financial institutions such as China Industrial and Commercial Bank;
7. In addition to credit guarantee, it can also provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank.
Application materials:
1. Original and photocopy of valid identity documents and marital status certificates of the borrower and its spouse;
2 annual business license (or valid business license, booth license, industry license, etc.). );
3. Proof materials reflecting the operating conditions and repayment ability of the borrower or its business entity;
4. If it is a secured loan, it shall provide information in accordance with the relevant regulations of China Industrial and Commercial Bank;
5. Other documents or materials required by the bank.