ICBC loan terms: 1. Pledged loan: 1. A natural person with corresponding capacity for civil conduct; 2. Promise that the loan funds will not be used for securities market, futures market, real estate development, investment or lending to others; 3. You can provide the pledge recognized by China Industrial and Commercial Bank as a guarantee; 4. Open a settlement account of China Industrial and Commercial Bank; 5. Personal customer certificate or electronic password of electronic banking of China Industrial and Commercial Bank; 6. Other conditions stipulated by the bank. Ii. housing loan: 1. Have permanent residence or valid residence status in this city; 2. There is a legal purchase contract or agreement; 3. There is a down payment of not less than the prescribed proportion; 4. There are assets mortgaged or pledged with the approval of China Industrial and Commercial Bank, or there are guarantors who can repay the loan amount; 5. Meet other requirements of China Industrial and Commercial Bank.