Personal credit loan
Personal credit loan is a RMB credit loan issued by China Industrial and Commercial Bank to customers with good credit.
How to finance personal credit loans of ICBC?
The borrower prepares relevant materials and submits a loan application.
(2) if the bank examines the completeness, authenticity and inadequacy of the borrower's information, it shall explain the reasons to the applicant and request supplementary information.
Evaluate the lender's assets, cash flow, debt list, credit status, fund use plan, repayment method, etc.
Users who meet the loan conditions sign loan contracts with banks, and banks issue loans to borrowers.
⑤ The borrower repays the loan on time, and the post-loan management of ICBC's personal credit loan includes post-loan supervision, post-loan supervision, post-loan follow-up inspection, default loan collection and post-loan customer service.
Conditions of Personal Credit Loan of Industrial and Commercial Bank of China
① The age is between 18-60 years old, with full capacity for civil conduct, good credit, and no record of breach of contract or other adverse interests.
Have a stable job and a sustainable income, have sufficient repayment conditions and a good willingness to repay.
(3) In the internal retail evaluation system of China Industrial and Commercial Bank, the risk level is above Grade B, and the customer's star rating is above 4 stars.
In addition to the above basic conditions, personal credit loans also need to meet one of the following conditions:
(1) Personal annual income is more than 200,000 yuan before tax, or family net assets are more than 3 million yuan.
(two) for nearly 6 months, the average daily financial assets of more than 500 thousand yuan.
(3) ICBC's non-pawnshop personal loans totaled more than 6,543,800 yuan, with a good repayment record for the last two consecutive years.
ICBC personal banking, wealth management, peony platinum card or asset management account customers.
(5) senior managers and senior professional and technical personnel of ICBC's high-quality legal persons or institutional customers.
Icbc easy loan
Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank with debit card (or passbook) and credit card of China Industrial and Commercial Bank when special merchants of China Industrial and Commercial Bank make credit card consumption or online shopping according to certain rules.
Application conditions:
A natural person with full civil capacity at the age of 1. 18 (inclusive) -70 (inclusive).
2. High-quality customers with good credit, such as payroll customers who meet the requirements of ICBC.
3. ICBC debit card (or passbook) or credit card holder.
Loan amount: one-time consumption can be applied for more than 100 yuan, and the maximum loan amount can reach 200,000 yuan.
Loan term: 6 months, 12 months, 24 months and 36 months, with four terms.
Loan interest rate: According to the regulations of the People's Bank of China, it is increased by 10% on the basis of the benchmark loan interest rate at the same level.