1. Is the Industrial and Commercial Bank of China mortgage loan a good loan?

Good loan, ICBC is the fastest in processing real estate mortgage loans. Looking at the house mortgage loans from various banks, the loan funds will take at least 7 working days after the application materials are submitted. In summary, it even takes about a month to complete the loan, but ICBC is slightly better in this regard with its efficient service efficiency, and can approve the loan in as fast as 5 working days.

2. What are the procedures for ICBC housing mortgage loans?

You can apply for a personal housing mortgage loan as long as the house is less than 20 years old!

Real estate mortgage loan application materials:

(1) Real estate certificate

(2) ID card of the obligee and spouse

( 3) Household register of the obligee and spouse

(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

(5) Income certificate

(6) If the owner of the property certificate has underage children, please provide the birth certificate

(7) If there is a bank loan in the property, please provide the original loan contract and the last installment of the bank loan Statement

(8) In order to improve the loan approval rate, please provide as many other proofs of family property as possible (such as other property certificates, stocks, funds, cash passbooks, vehicle driving licenses, etc.)< /p>

3. ICBC House Mortgage Loan Procedure

Then take the property certificate of the paid-up house where you live to mortgage it. Taking the current Shenzhen Bank as an example, property mortgage The loan ratio is generally about 60% of the current appraised value of the house

IV. ICBC house mortgage loan process

Please bring the following materials to the loan bank to apply for a personal house mortgage comprehensive consumer loan : 1. Loan application form; 2. You and your spouse’s identity documents, household registration certificate, original and copy of marriage certificate, and employment certificate; 3. Proof of personal repayment ability; 4. Documents proving the purpose of the loan; 5. Proof of ownership of the mortgaged property Documents; 6. If a rental property is used as a mortgage, a written commitment issued by the lessee agreeing to terminate the lease contract when the property is disposed of due to the borrower's default; 7. Information related to the evaluation of the value of the collateral. Starting from April 10, 2021, customers in some areas can apply through the "Homepage/Favorites-Loan" function of mobile banking or the "Intelligent Finance-Personal Loan" column of the "ICBC Customer Service" WeChat public account. Warm reminder: Since there may be differences in different regions, please contact your lending bank to confirm the specific regulations and other involved information before applying. (Answer time: October 8, 2022. In case of business changes, please refer to the actual situation.)