1. To apply for a loan from Industrial Bank, the applicant must be at the age of 18-65, and the sum of age and loan term shall not exceed 70; The borrower has a good credit record and the ability to repay the principal and interest on schedule; Prove that the purpose of the loan is legal and other conditions stipulated by Industrial Bank.
2. To sum up, as long as it can meet the conditions for Industrial Bank to apply for loans, it is easier to approve.
Is it easy to approve personal loans of Industrial Bank?
Industrial Bank's personal loan products include personal consumption loans, personal study abroad loans, personal travel loans and other products. The application conditions of these personal loans are similar, and borrowers need to meet the basic conditions of bank loans. In essence, the threshold for applying for personal loans from Industrial Bank is not high, and it is relatively easy to apply.
As long as the borrower is 18-65 years old, and has a good credit record and the ability to repay the principal and interest on time, there is basically no problem. However, different loan products, repayment methods and repayment periods will lead to great differences in interest rates of personal loans. Borrowers are advised to call the customer service hotline of Industrial Bank for specific information before applying for a loan.
How long does it take for Industrial Bank to approve personal loans?
The loan approval time of Industrial Bank is related to the loan type. Different loan types are different, but the approximate range is about 10 to 40 working days. General credit loans and online micro-loans will be processed faster, taking about 10 working days. The processing of housing loans is relatively slow, taking about 40 working days.
After the borrower submits the loan application materials, it needs to go through the basic stage of bank approval-review-lending, so the borrower still needs to wait patiently.
In fact, whether it is Industrial Bank or other joint-stock commercial banks or state-owned banks, as long as you meet the conditions for banks to apply for loans, it is relatively easy to pass. To apply for a loan from Industrial Bank, you must be 18-65 years old, and the sum of age and loan term must not exceed 70 years old; The borrower has a good credit record and the ability to repay the principal and interest on schedule; Prove that the purpose of the loan is legal and other conditions stipulated by Industrial Bank.