The loan interest rates of ICBC are 4.35 for six months (inclusive), 4.35 for six months to 1 year (inclusive), 4.75 for 1 to three years (inclusive), 4.75 for three to five years (inclusive) and 4.9 for more than five years.

The loan interest rate is changeable, and it is only a unified benchmark interest rate. All localities can go up or down according to the actual situation. Please consult the local industrial and commercial bank for specific interest rate implementation.

Extended data

ICBC loan terms

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.

3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.

6. It can provide legal, effective and reliable loan guarantee recognized by the lender.

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.

8. Other conditions stipulated by China Industrial and Commercial Bank.