Personal credit loan line of China Industrial and Commercial Bank

Personal credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to customers with good credit standing without providing guarantee. The initial loan amount is 6,543,800 yuan, and the longest loan period can reach 3 years.

How to get a personal credit loan from ICBC?

① The borrower prepares relevant materials and applies for a loan.

(2) The bank shall review the completeness and authenticity of the borrower's information, and if there is no information, explain the reasons to the applicant and ask for supplementary information.

③ Evaluate the lender's assets, cash flow, debt list, credit status, fund use plan, repayment method, etc.

④ Users who meet the loan conditions sign loan contracts with banks, and then the banks issue loans to borrowers.

⑤ The borrower repays the loan on schedule, and the post-loan management of ICBC's personal credit loan includes post-loan supervision, post-loan monitoring, post-loan follow-up inspection, default loan collection and post-loan customer service.

What are the application conditions for ICBC's personal credit loan?

(1) aged between 18-60 years old, with full capacity for civil conduct, good credit, no record of breach of contract and other bad hobbies.

(2) Have a stable job and a sustainable income, and have sufficient repayment conditions and a good willingness to repay.

(3) Obtaining a risk level above Grade B in the retail internal rating system of China Industrial and Commercial Bank, and the customer's star rating is above four stars.

In addition to the above basic conditions, personal credit loans must also meet one of the following conditions:

(1) The annual personal income before tax is more than 200,000 yuan, or the family net assets are more than 3 million yuan.

② It has been in possession for nearly 6 months, and its daily average financial assets are above 500,000 yuan (inclusive).

③ The accumulated amount of unsecured personal loans in China Industrial and Commercial Bank is more than 1 10,000 yuan, and the repayment record for the last two consecutive years is good.

④ ICBC private banking, wealth management, peony platinum card or wealth management account customers.

(5) Senior managers and senior professional titles of ICBC's high-quality legal persons or institutional customers.

Application materials for personal credit loan of China Industrial and Commercial Bank:

Identity certificate, household registration certificate, marriage certificate, loan use certificate, and other information required by the bank.

2. How to handle personal loans of ICBC? What is the procedure?

1. Valid identity documents and proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc. ) photos.

2. My household registration certificate (household registration book or other valid residence certificate).

3. My income certificate and occupation certificate.

4. A certificate or statement of the purpose of the loan, which promises that the loan will not enter the securities market or futures market, be used for real estate development and equity investment, or be used for borrowing to seek illegal income;

5. Those who meet the application conditions (1) must also provide the valid job certificate of the employer or the professional and technical grade certificate issued by the relevant state departments. If the borrower is only a payroll customer of ICBC, it must also provide the labor contract signed by the borrower's work unit.

6. If the application conditions (2) to (5) are met, all kinds of accounts, certificates of financial assets and certificates of property ownership owned by me shall also be provided.

7. If the application conditions (6) are met, the personal income tax payment certificate issued by the local tax authorities in the latest year shall also be provided.

8. Other information required by the bank.

3. What is ICBC's personal loan?

There are many kinds of personal loans. Please edit the question in the following way to learn more. Such as: personal housing loans, personal business loans and personal consumption loans.

4. Is ICBC's personal credit loan easy to handle? What are the requirements?

In the era when credit is becoming more and more important, banks and other financial institutions have applied for loans. So more and more friends come to ask: Is ICBC's personal credit loan easy to handle? What do you need to introduce the general situation?

Personal credit loans of ICBC are not easy, and borrowers need to meet higher requirements. Because the lending standard of ICBC's personal credit loan is complicated, the basic application conditions are set.

Basic application conditions for personal credit loan of China Industrial and Commercial Bank

1. The borrower is a citizen of China, aged between 18 and 60 years old (inclusive).

2. Personal credit is good, and there is no record of illegal acts and non-performing loans;

3. Have a stable income and strong willingness to repay, and be able to repay in full and on time;

(4) Obtain a risk level of Grade B or above, and the existing customers should have a star rating of 4 or above;

5. The borrower shall also meet one of the following conditions:

(or senior managers or senior executives among institutional customers.

(2) The borrower belongs to China Industrial and Commercial Bank, private banking and wealth management;

(3) The accumulated amount of unsecured personal loans handled by China Industrial and Commercial Bank is above 6,543,800 yuan (inclusive);

(4) Its financial assets are above 3 million yuan (inclusive), or it has been continuously owned for nearly 6 months and the daily average gold financing is above 3 million yuan.

(5) Personal annual income before tax can reach 200,000 yuan (inclusive).

These are the conditions for ICBC to apply for personal credit loans. Generally speaking, ICBC personally wants to apply successfully.