1. Submit application:
Lenders bring ID cards, personal financial certificates, etc. Submit an application at ICBC outlets. Fill in the application form and submit personal data as required.
2. View the application:
The staff of the Risk Control Group of the Credit Department of ICBC Sub-branch shall review the application materials of the lender and evaluate the qualifications of the applicants one by one.
3. Sign a loan contract:
After the lender is approved, ICBC will sign a loan contract with the borrower, stipulating the loan amount, loan interest rate and loan term.
4. Loan:
China Industrial and Commercial Bank shall issue loans to the account designated by the Lender within the time limit agreed in this Contract.
Choose a formal platform when applying for a loan to better protect personal interests and information security. Special groups such as small and micro enterprises, farmers, urban low-income people, poor people, the disabled and the elderly are the key service targets in inclusive finance. Vigorously developing inclusive finance is an inevitable requirement for China to build a well-off society in an all-round way, which is conducive to promoting the sustained and balanced development of the financial industry, promoting mass entrepreneurship and innovation, boosting the transformation and upgrading of economic development mode, and enhancing social equity and social harmony. After years of upgrading and optimization, China Industrial and Commercial Bank took the lead in launching the "online loan link" loan product on 20 10, and has fully promoted the innovative mode of "borrowing and returning" inclusive loans. By the end of July, 20021year, the balance of the bank's inclusive loans with the characteristics of "borrowing and returning" reached 8.74 billion yuan, accounting for 62%, and the products of inclusive working capital loans basically had the characteristics of "borrowing and returning".
Requirements for applying for a loan:
1. Age requirement: 18-55 years old.
2. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.