If you have a loan in a rural credit cooperative, you can still apply for a housing loan in ICBC as long as you meet the conditions.

I. Mode of payment

Personal housing loan is a kind of secured loan, which can be mortgaged, pledged, guaranteed or a combination of the above three ways.

Second, the loan object and conditions

The object of individual housing loan should be a natural person with full capacity for civil conduct and meeting the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3 do not enjoy the purchase subsidy, not less than 20% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, and the individual will bear 20% as the down payment;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6.

Other conditions stipulated by the bank.

Three, apply for a loan, the documents should be issued.

When applying for a loan, you should fill in the Approval Form for Personal Housing Loan Application of Industrial and Commercial Bank of China and submit the following documents to our bank:

1. Identity documents (resident ID card, household registration book or other valid residence documents)

2. Proof of loan economic income or solvency issued by the lender's examination and approval department;

3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;

4. List of mortgaged property or pledged property, certificate of ownership, certificate of consent to mortgage, pledge and mortgage valuation certificate of the dispossessor;

5. The guarantor agrees to provide written guarantee documents and credit certificate of the guarantor;

6. If savings deposits are used as self-raised funds, bank deposit certificates are required;

7. If the provident fund is self-raised, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits;

8. Other documents or materials required by the lender.