1, application conditions
The principal of an individual entrusted loan may be a government agency, enterprise, institution or individual with a legitimate source of funds.
The borrower of an individual entrusted loan must be a natural person with full capacity for civil conduct and have a legal and valid identity certificate.
The loan currency can only be RMB.
2. Application materials
The customer should prepare the following information:
(1) Legal identity documents;
(2) Power of Attorney for entrusted loan business;
(three) the source of the entrusted loan funds certificate or statement materials.
(4) settlement accounts;
(5) Other information required by the handling bank.
The borrower shall prepare the following materials:
(1) Legal identity documents
(two) the loan purpose certificate or statement materials.
(3) Settlement account
(4) Other materials required by the handling bank and the client.
Is it easy for ICBC to apply for personal entrusted loans? What are the requirements?
Now ICBC can provide more and more loan business for everyone. Many people think that ICBC's personal entrusted loans are good, so they come to consult related questions. Someone asked: Can ICBC handle personal entrusted loans? What are the requirements? The following is to introduce the relevant content for everyone.
Compared with other loans, ICBC's personal entrusted loan is not a good application because it involves the principal. China Industrial and Commercial Bank and the borrower. The application conditions and application materials of ICBC's personal entrusted loans are relatively simple.
Application conditions
ICBC's personal entrusted loans require that the clients be individuals, government agencies or enterprises and institutions, and the sources of loan funds are legal. ICBC's personal entrusted loan requires the borrower to have legal and valid identification and be a natural person with full civil capacity as stipulated by law.
Application material
Customers need to provide these materials to ICBC: my legal identity certificate, power of attorney for entrusted loan business, proof or statement of fund source and settlement account, etc.
Borrowers need to provide these materials to ICBC: legal identity documents, loan use certificates or statements, and loan settlement accounts.
Processing steps
The customer submits an application to the bank → waits for the bank to accept the audit → signs an agency agreement → the borrower submits a loan application to ICBC → ICBC approves the loan with the customer → signs a loan contract and goes through the mortgage guarantee procedures → the customer informs ICBC to lend money.
Generally speaking, the application steps of ICBC's personal entrusted loan will be more complicated, but the application threshold is not very high.
What kind of materials do you need to apply for a personal entrusted loan from China Bank?
China Bank Personal Entrusted Loan Handling Information:
The power of attorney shall specify the following main terms:
1. Name, domicile or address, ID number, etc. The principal and the trustee.
2. Entrusted amount, interest rate and term.
3. Name and relevant information of the borrower.
4. Use of entrusted loans.
5. A clear expression of the entrustment relationship.
6. Other information required by the trustee from the client.
The client shall declare in the power of attorney that the above contents are true. The trustee shall examine whether the identification materials and power of attorney of the trustor and the borrower are complete.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of what documents and materials are needed for entrusted loans. I wonder if you have found the information you need?