1. Age requirements: How old is the applicant? 18? At least 30 years old, with full capacity for civil conduct.
2. Income requirements: Applicants need to have a stable source of income to prove their repayment ability.
3. Credit record: A good credit record is very important for loan application. ICBC can check the applicant's credit report.
4. Use of the loan: The use of the loan needs to meet the requirements of the bank, and relevant supporting documents are usually required.
5. Collateral or guarantor: Depending on the type and amount of the loan, ICBC may require collateral (such as real estate and vehicles). ) or a guarantor.