As one of the five state-owned commercial banks in China, ICBC has launched a variety of loan products. Here are some easy-to-borrow loan products:
"Small and micro easy loans": a comprehensive credit loan product aimed at supporting the development of small and micro enterprises. The application threshold is relatively low, the loan amount is generally below 1 10,000, and the term ranges from 1 to 3 years. Its advantages are fast approval and low interest rate.
"Personal housing loan": providing various housing loan services such as house purchase, decoration and decoration. It has the characteristics of long term and low interest rate, and is suitable for individual purchase and house decoration.
"Project loan": short-term and medium-term credit loans used for enterprise capital turnover and project construction, which have the advantages of fast approval, simple process and can be used for various projects.
"Student loan": a loan service provided for qualified college students to study abroad and for education and training. It has the characteristics of low interest rate and loose repayment period.
These are just some easy-to-borrow loan products. ICBC also has other loan products for individuals and enterprises. You can go to ICBC official website or the nearest ICBC outlet for consultation.
ICBC loan products?
Hello!
ICBC has many loans, which are mainly divided into the following four categories:
1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.
2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.
3. Commercial loans: personal commercial loans and personal commercial loans.
4. Special loans: personal pledge loans, personal loan online loans and personal loan card loans.
I. Personal business loans
Personal business loans are RMB-guaranteed loans issued by Industrial and Commercial Bank of China to customers for their legitimate business activities. The maximum loan amount can reach 6,543,800 yuan. The loan period can be up to 5 years. It can be applied by mortgage, pledge, guarantee, etc., and has the function of revolving loan.
Second-hand personal housing loan
Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market. The maximum loan amount can reach 70% of the market value of the purchased house. The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years.
Third, personal comprehensive consumer loans.
Personal comprehensive consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for designated consumption purposes. With a wide range of consumption purposes, high loan amount and long loan period, it is an ideal choice for individuals to realize "advance their future wealth and enjoy a high-level life".
Fourth, personal housing mortgage loan.
Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption. Can be used for business, car purchase, education, medical care, large-scale durable goods consumption and other legal and compliance purposes.
Verb (abbreviation of verb) personal microfinance
Personal microfinance is a small, short-term RMB loan issued by China Industrial and Commercial Bank to customers for legitimate business activities. It is usually issued by credit or guarantee, without collateral, which is flexible and convenient. The maximum amount of a single-family loan is 500,000 yuan, of which the maximum amount of a single-family credit loan is 200,000 yuan. The loan term is generally within 6 months.
Six, personal commercial housing loans
Personal commercial housing loan refers to the loan issued by the lender to the borrower for the purchase of commercial housing. Applicable to natural persons with full capacity for civil conduct, and the borrower has a good credit record and repayment willingness. It can be used to buy shops, commercial supporting houses in residential quarters, office buildings (office buildings), parking spaces (garages) with independent property rights and other commercial houses.
Seven, personal business car loans
Personal commercial vehicle loan is a personal car loan issued by ICBC to borrowers for the purpose of buying a car. The loan amount is high, the guarantee methods are diverse and the repayment methods are flexible. There are many kinds of commercial vehicles that can be purchased, including city taxis, city bus lines, buses, trucks and construction machinery (bulldozers, excavators, mixers, pumps, etc.). ).
I hope it helps you!
Hope to adopt, thank you.
Does ICBC have a loan?
ICBC has a credit loan. ICBC's personal credit loan is a RMB credit loan issued by China Industrial and Commercial Bank to customers with good credit standing without providing guarantee. The initial loan amount is 6,543,800 yuan, and the longest loan period can reach 3 years.
1, a citizen of China with full capacity for civil conduct, aged between 18 and 60 inclusive.
2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3 has a stable source of income and the ability to repay the principal and interest of the loan in full on time.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. ICBC has a group of customers with four or more stars.
7. Open a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.
Extended data
Information required to apply for a loan:
1. Valid identity documents and proof of marital status of myself and my spouse (marriage certificate, divorce certificate or unmarried statement, etc.). ).
2. My household registration certificate (household registration book or other valid residence certificate).
3. My income certificate and occupation certificate.
4. Proof or statement of the purpose of the loan, and promise that the loan will not enter the securities market or futures market, be used for real estate development or equity investment, or be used for borrowing to obtain illegal income.
5. The valid job certificate of the employer or the professional and technical certificate issued by the relevant state departments shall be provided. If the borrower is only a payroll customer of ICBC, it must also provide the labor contract signed by the borrower's work unit.
6. I must provide all kinds of accounts, financial assets and property ownership certificates that I have.
7. The personal income tax payment certificate issued by the local tax authorities in the latest year shall be provided.
8. Other information required by the bank.
Industrial and Commercial Bank of China-Personal Credit Loan
What loans does ICBC have?
ICBC has many loans, which are mainly divided into the following four categories:
1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.
2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.
3. Commercial loans: personal commercial loans and personal commercial loans.
4. Special loans: personal pledge loans, personal loan online loans and personal loan card loans.
Domestic business of Industrial and Commercial Bank of China
In China and 28 countries and regions around the world, in 2008, China Industrial and Commercial Bank had 385,609 employees, an increase of 7,565,438+02 over the previous year, providing a wide range of high-quality financial products and services to 65.438+0.9 billion individual customers and 36.5438+0 million corporate customers. There are nearly 65,438+7,000 domestic and foreign institutions, covering most large and medium-sized cities in China and major international financial centers, providing quality services directly to customers; The leading e-banking platform in China has four channels at your fingertips: online, telephone, mobile phone and self-service banking, providing six services: fund management, payment, marketing service, financial management, agency sales and e-commerce; VIP financial center, telephone banking, exclusive channels for online banking and professional financial planners provide unique services for VIP customers. ICBC has also established correspondent bank relations with more than 65,438+0,400 domestic banks and 65,438+022 countries and regions, and its global service network has been further improved.
China Industrial and Commercial Bank regards the first year after listing as the "year of quality service", systematically improves and upgrades its services in terms of business processes, distribution channels, service models and product types, and continues to move towards the goal of building a financial enterprise with the best service in China.
China Industrial and Commercial Bank has the largest customer base in China, and is one of the largest commercial banks in China and one of the top 500 enterprises in the world. Provide diversified and professional financial services for corporate customers and individual customers. Wide range, large business volume and rich business varieties. At the end of 2003, the balance of personal consumption loans reached 407.5 billion yuan, and the market share of personal housing loans ranked first in the country. 95.95 million peony cards were issued, and the consumption was about 97.3 billion yuan. In 2003, the accumulated bill transaction was 654.38+0.677 1 100 million yuan. The market share of RMB settlement reached 45%, and the market share of securities and futures remained above 50%. China Industrial and Commercial Bank is also the largest asset custody bank in China, with 28 custody funds and total assets of 58 1 100 million yuan.
China Industrial and Commercial Bank has the most advanced technology level in China. On the basis of data centralization project, ICBC successfully put into production the All-functional Bank (NOVA) system in 2003. Together with the data warehouse which provides the technical basis for personalized service, * * * constitutes an international advanced financial information technology platform, which provides a strong impetus for the progress of business and management.
With the strong support of scientific and technological means, various businesses of China Industrial and Commercial Bank are constantly innovating. The three-dimensional service system of electronic banking, which consists of self-service banking, telephone banking, mobile banking and online banking, is becoming more and more mature. More than 400 cities have opened online banking. In 2003, the transaction volume of electronic banking reached 22.3 trillion yuan, and the transaction volume of online banking was 19.4 trillion yuan.
China Industrial and Commercial Bank implements a unified management system for commercial banks authorized by legal persons. The head office of China Industrial and Commercial Bank is the operation and management center, capital dispatching center and leadership and command center of the whole bank. Possess the corporate property rights of the whole bank and be responsible for the efficiency, safety and liquidity of the whole bank's operation. On the basis of authorization and credit management, the branch management mode of "one-level management and two-level monitoring" is implemented to achieve the purpose of steady operation, risk prevention and economic benefit improvement.
ICBC has realized the diversification and innovative development of intermediary business. In 2008, ICBC's net fee and commission income reached 44 billion yuan, a year-on-year increase of 65,438+04.7%. Emerging businesses such as bank card, investment banking, asset custody, enterprise annuity, cash management and wealth management have developed rapidly and healthily, and all indicators rank first among domestic peers.
The number of bank cards issued exceeded 238 million and the consumption was nearly 800 billion yuan, of which the number of credit cards issued exceeded 39 million and the consumption exceeded 250 billion yuan, further expanding the market leading edge; The income of investment banks increased by 78.2%, and 52 bonds were underwritten in the whole year, with an underwriting amount of 654.38+0646 billion yuan, making it the largest bond underwriting bank in China for the second consecutive year; The income of custody business increased by 465,438+0%, and the scale of custody assets ranked first in China for 65,438+065,438+0 years, maintaining a leading position in the custody fields such as funds, annuities and insurance; The domestic market share of enterprise annuity business is close to 50%, and it is the largest enterprise annuity service institution in China. The wealth management business continued to grow strongly. In the whole year, 265,438+06 wealth management products were launched, of which the sales of self-developed wealth management products were about 265,438+09.76 billion yuan, up 765,438+05% year-on-year.