1. On iphone 13 and iOS 15, open the "China Construction Bank" APP software.

2. Register first, then log in, select "Loan" at the bottom of the APP homepage, and click Enter.

3. There are two options for personal credit loans: "quick loan" and "small micro loan". First select "Quick Loan" to apply for personal credit loan quickly.

After selecting "Small and Micro Loan", select "Apply Now" in the entered page to apply for the main credit loan of small and micro enterprises.

Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. The general bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide proof or statement on the use of the funds.

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1. My valid ID;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information required by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate under the name of the individual (or spouse);

(3) peony platinum card customer information;

(4) Customer certification materials of China Industrial and Commercial Bank's wealth management account; (5) China Industrial and Commercial Bank personal loan contract text.

Precautions:

1. Applying for personal micro-credit loans, whether it is bank lending or financial institution lending, requires the borrower to have repayment ability. In other words, those who claim that they can lend you money unconditionally must not be trusted.

Many people ask if they can get a loan with their ID card. An ID card is a document to prove one's identity, but not one's credit status. Therefore, any formal lending institution will not pass the loan review only by its ID card.

Whether you borrow money from banks or financial institutions, you should make sure to repay it on time, so that the other party will recognize your credit when you need a loan next time.