ICBC can apply for renovation loans. Users need to go to the counter and prepare the original and photocopy of ID card, original house purchase contract and income certificate. The account manager can sign the loan contract agreement only after being audited by the audit department and approved by the person in charge of the audit department.

1. If the user fails to provide relevant information and proof, ICBC can postpone the review of the user. If the user belongs to the abnormal phenomenon of credit reporting, ICBC will not lend money. After excluding its own reasons, if there are still other uncertain factors in credit reporting, ICBC will not accept them. If the user violates the state regulations on foreign exchange control, or the goods and products explicitly prohibited by the state. The repayment has not been made yet, or the guarantor is paying it on his behalf. Credit card overdue will not be accepted. The user has a record of suing for bad credit information, and a single loan has more than 24 overdue records, so ICBC will not accept it.

2. Users with credit problems can query their credit information through the automatic bank credit inquiry system, or if they have bad credit information, they should further submit it to the relevant departments to solve the credit problem, and wait for acceptance and return to the status of natural person to give loans. Loans are related to fixed income, such as civil servants. The user's income is twice or more than the monthly repayment income. There are related assets, mortgages or guarantees. Consumer loans are formal channel loans. College students' loans will be accepted as long as they show their business start-up certificates or documents.

Users are advised to provide confirmation of relevant verification certificates of Industrial and Commercial Bank of China.

For example, the case of bank decoration loans in Nanjing.

1 Currently only for residential real estate. The loan is only used for residential decoration. 3. Some banks can successfully accept the renovation of the project within four working days, and the specific situation is analyzed.

If you become an invited customer of ICBC, a good loan service should at least make mortgage loans at ICBC; No overdue in recent 65438+February. If users still need to handle higher business, they need a second mortgage. The lower the interest rate, the higher the threshold.