Personal loan or corporate loan? There are many kinds. Let me briefly talk about the common ones. Personal credit lender's credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to borrowers with good credit status without providing guarantee. Application conditions: 1. China citizens with permanent residence in China, permanent residence in the local area and full capacity for civil conduct; 2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule; 3. Abide by the law and have no illegal acts and bad credit records; 4. Obtain the personal credit rating of China Industrial and Commercial Bank of China above Grade A; 5. Open a personal settlement account in China Industrial and Commercial Bank; 6. Other conditions stipulated by the bank. In addition to the above basic conditions, borrowers who meet one of the following specific access conditions are special access customers for credit loans: (1) middle and senior managers and senior professional and technical personnel of ICBC's high-quality corporate customers; (2) The individual's own assets are more than 2 million yuan (inclusive); (3) Peony Platinum Card customers; (4) Holding the personal financial account of China Industrial and Commercial Bank 1 year (inclusive) or more, with an average annual deposit balance of 200,000 yuan or more; (5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled). Loan line The starting point of the loan line is 654.38+0,000 yuan, and the maximum is not more than 500,000 yuan (inclusive). Loan Term The loan term is generally 1 year (inclusive), with a maximum of 3 years. Personal credit loans are generally not extended. If the loan cannot be repaid on time due to force majeure or unexpected events, if the loan term is within 1 year (inclusive) with the consent of the bank, it may be extended once. The extension period shall not exceed the original loan period and the accumulated loan period (including the extension period) shall not exceed 1 year. An individual is a RMB loan that the borrower applies to China Industrial and Commercial Bank with a legal and effective pledge that meets the requirements of China Industrial and Commercial Bank. Application conditions: 1. Living in China and having full capacity for civil conduct; 2. Have a good credit record and willingness to repay; 3. Have the ability to repay the loan principal and interest; 4. Provide valid rights certificate recognized by the bank as pledge guarantee; 5. Open a personal settlement account in China Industrial and Commercial Bank; 6. Other conditions stipulated by the bank. The minimum loan amount for a single household is 5,000 yuan (inclusive) and the maximum loan amount is 6,543,800 yuan. The maximum amount of online banking does not exceed 6,543,800 yuan. The loan term is generally 1 year, and the longest is not more than 3 years (inclusive). Corporate loan revolving loan: the borrower signs a loan contract with ICBC at one time, and allows the borrower to withdraw the loan several times within the validity period stipulated in the contract, repay the loan one by one and recycle the loan. Applicable enterprise: 1. A high-quality listed company with strong strength, good reputation, large scale and standardized management. 2. Other reputable business processes: 1. The borrower applied for a loan from ICBC. And submit relevant materials. 2. ICBC conducts research on enterprises. 3. Sign the loan contract and other legal documents. 4. Go through the guarantee procedures such as mortgage and pledge and the notarization procedures of relevant contracts. 5. Overdraft of corporate account in execution of loan contract: This business is a new corporate credit product developed by China Industrial and Commercial Bank to cope with the increasing cash management of key borrowers, reduce transaction costs and strengthen corporate financial management. According to the borrower's application, on the basis of the approved account overdraft limit, ICBC allows the borrower to overdraw ICBC within the approved overdraft limit when the account deposit is insufficient to pay within the prescribed time limit, so as to obtain temporary credit for funds and meet the normal settlement needs. Overdraft of corporate accounts is mainly used to solve the temporary capital demand of borrowers in the process of production and operation. It is only suitable for high-end borrowers of ICBC as a credit tool to solve their urgent temporary production and operation capital gap. Because I don't know whether you are a personal loan or a company loan, I won't elaborate on other loan projects one by one. If you need more details, you can add questions and I'll tell you.

2. How does China Industrial and Commercial Bank get a loan and what conditions do it need to meet?

China Industrial and Commercial Bank loan conditions:

1. The age of a natural person with full civil capacity is between 18 (inclusive) and 60 years old (exclusive). Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;

3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;

6. It can provide legal, effective and reliable loan guarantee recognized by the lender;

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by China Industrial and Commercial Bank.

3. What is the loan requirement of China Industrial and Commercial Bank?

China Industrial and Commercial Bank loan requirements: 1, the borrower is at least 18 years old and has full capacity for civil conduct; 2. Have legal and valid identity documents; 3. Have good credit; 4. Can provide guarantees recognized by ICBC; 5. Have a stable income and the ability to repay the loan principal and interest. It's too far to raise10 million dollars, but he can raise 50%. If you want to apply for a loan in ICBC, you generally need to meet the following conditions: 1, have full capacity for civil conduct and hold a valid ID card; 2. Have a good career and income and be able to repay on time; 3. Guarantee can be provided; 4. Personal credit information is good. For more information about the loan requirements of China Industrial and Commercial Bank, please visit:/ask/b2421f1615834866.html? Zd view more content