You can consult the bank's customer service to see if it meets the loan conditions.

Loan business conditions:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

Second, how to apply for personal consumption loans from ICBC?

Requirements for applying for comprehensive personal consumption loan of China Industrial and Commercial Bank:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, have the ability to repay the loan principal and interest on schedule, and can provide relevant supporting documents;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account in a loan bank;

7. Other conditions stipulated by the bank;

8. No record of non-performing loans in banks and other financial institutions;

9. If the guarantee method is adopted, it can provide legal and effective pledge, mortgage or guarantee recognized by the bank.

3. How to handle the personal housing consumption loan of ICBC?

ICBC's personal consumption loan does not need to mortgage the real estate license in the bank.

Application conditions

① A natural person with full civil capacity, the applicant is over 18 years old, and the maturity date of the loan is generally not more than 55 years old;

(2) Having permanent residence or valid residence status in the town where the loan bank is located;

(3) It has legal and stable economic income, good credit and the ability to repay the principal and interest of the loan;

(4) There is a clear consumption intention or a relevant consumption contract has been signed;

⑤ It can provide the guarantee approved by the lender.

related data

(1) Provide valid identity documents and household registration certificates, marital status certificates and personal income certificates;

② Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior;

(3) Personal consumption loan application form (available at the sales outlets of the applicant bank);

④ Other materials required by the bank.

4. How does China Industrial and Commercial Bank get a loan?

If it is a personal credit consumption loan, you can log in to mobile banking and apply for e-loan through the function of "Favorites-Loan-Financing E-loan". When applying for a loan, please refer to the system display.

If it is other loans, you can bring relevant materials to ICBC outlets for consultation.

(Answer time: June 2020, 65438+1October 3 1. In case of business changes, please refer to the actual situation. )