bank loans are generally in the name of my ID card, and the credit information systems of major banks are networked. You can find all loans by bringing your valid ID card to the loan department of any bank. In addition, you can also check personal bank loans through the credit information system of the People's Bank of China, but the inquiry should not be too frequent, otherwise it will discredit the credit information report.

bank loans are the most formal and reliable, but the audit conditions are also harsh. If there is demand and the conditions of bank loans are met, it is best to borrow from banks instead of applying for online loans.

the interest rates of bank deposits and loans are as follows:

1. Current account, .35%

2. The interest rates are as follows:

three months, 1.1%

half a year, 1.3%

one year, 1.5%

two years, 2.1%

. 4.9%

4. Interest rate of provident fund loan: < P > less than five years (including five years), 2.75%

more than five years, 3.25%

Conditions for applying for bank loan business:

1. Natural persons aged between 18 and 65;

2. The actual age of the borrower plus the loan application period should not exceed 7 years old;

3. Have a stable job, a stable income and the ability to repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legitimate loan use;

5. Meet other conditions stipulated by the bank.

if you meet the above conditions, you can apply for loan business in the local bank.

: Method for inquiring the loan interest rate of ICBC:

1. Enter official website of China Industrial and Commercial Bank through search and enter the home page of China Industrial and Commercial Bank;

2. Select "Financial Information" in the upper right corner of the homepage of China Industrial and Commercial Bank;

3. Click and select "RMB loan interest rate table",

4. After opening it, you can clearly see the loan interest rate of ICBC.

deposits of urban and rural residents and units (1) current account .36 (2) fixed term 1. lump sum deposit and withdrawal for three months 1.71 half a year 1.98 one year 2.25 two years 2.79 three years 3.33 five years 3.62. lump sum deposit and withdrawal, Deposit with principal and interest for one year 1.71 three years 1.98 five years 2.253. Fixed-term and fixed-term loans with lump-sum interest rate of the same grade will be discounted at a rate of 6% within one year < P > Agreement deposits 1.17

Notice deposits. One day .81 seven days 1.35 The annual interest rate of RMB loan interest table items in 21% 1. Short-term loans for six months (inclusive) 4.86 for six months to one year (inclusive)