1. What should I do if I need a copy of the POS receipt for a provident fund loan?

To purchase an off-plan house and use a provident fund loan, you will need a copy of the POS receipt. You can go to the card swiping department to find the stub and take it for photocopying.

2. How to apply for personal operating loans from ICBC?

Who can apply? Application conditions:

1. A natural person with full capacity for civil conduct, aged between 18 years old (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers must have lived in the territory of the People's Republic of China for at least one year and have a fixed residence and occupation;

2. Have legal and valid identity certificates , household registration certificate (or valid residence certificate) and marriage status certificate;

3. Have legal business qualifications and be able to provide an individual industrial and commercial household business license, a partnership business license, a sole proprietorship business license, or hold a Have operating licenses, merchant operating licenses, stall licenses, or other legal and valid business qualification certificates;

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

5. Have a good credit record and willingness to repay, and the borrower and its operating entities have no bad credit records with ICBC and other known financial institutions;

6. Be able to provide documents approved by ICBC Legal, effective and reliable loan guarantee;

7. The borrower opens a personal settlement account with ICBC;

8. Other conditions stipulated by ICBC.

What procedures are required? Application materials:

1. Valid identity documents, household registration certificates, and marital status certificates of the borrower and his/her spouse, originals and copies;

2. Business license of individual industrial and commercial households that has been inspected annually, Originals and copies of partnership business license, sole proprietorship business license, or operating certificate, merchant operating certificate, stall certificate and other business licenses;

3. Personal income certificate, such as personal tax certificate, salary certificate , certificates of personal dividends from operating entities, rental income, deposits in ICBC or other banks in the past 6 months, certificates of average financial assets such as treasury bonds and funds, etc.;

4. Can reflect the borrower or other Bank settlement account details or tax payment certificates and other supporting materials for the recent operating status of the operating entity;

5. Original and copy of the mortgage property ownership certificate.

Documents proving that the person with the right to dispose of the property (including the owner of the property) agrees to the mortgage. If the mortgaged property needs to be evaluated, the original evaluation report must be provided;

6. If the loan is guaranteed, the relevant information of the guarantor must be provided;

7. Other information required by the bank.

In addition, ICBC personal operating loans also have a revolving loan function, which can be applied once, used repeatedly, and borrowed and repaid at any time, which is convenient and fast. It can also realize self-service loans through merchant POS and online banking channels. issued.

3. How can I apply for a loan as soon as possible and get a convenient POS machine?

This is a third-party payment POS machine. Generally, third-party payment is very fast, two days. It’s almost time to apply