1. ICBC's payroll card loan application: When applying for a loan, the borrower shall provide the following information to the lender: 1, loan application approval form; 2. My valid ID. Two. Term and interest rate of ICBC's payroll card loan: (1) The loan term is below 1 year (inclusive). (2) The loan interest rate is subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range is subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months. (3) The starting point of the loan amount is 2,000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum amount shall not exceed 20,000 yuan. (4) Generally, loans are not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
ICBC loan interest?
ICBC loan interest is not fixed. ICBC loan interest II loan principal loan term loan interest rate. The loan interest rate is based on the benchmark interest rate stipulated by the central bank;
1. Within one year (including one year), the interest rate is 4.35%.
2. The loan term is one to five years (including five years) and the interest rate is 4.75%.
3. If the loan term exceeds five years, the interest rate is 4.90%.
Everyone's interest on ICBC loans is different. ICBC loan interest 2 loan principal loan term loan interest rate. At present, the loan term of ICBC is basically from 6 months to 5 years. The loan term is mainly divided into short-term loans (June, June-1 year), and the corresponding interest rate is (5.35%). Medium and long-term loans (1 -3 years, 3 -5 years, more than 5 years); The corresponding loan interest rates are (5.85%, 6.22% and 6.4%).
Bank loan interest refers to the ratio of interest amount to principal amount during the loan period. Interest in China is managed by the People's Bank of China. Bank loan interest refers to the benchmark interest rate stipulated by the People's Bank of China, and the actual contract interest can fluctuate within a certain range on the basis of the benchmark interest rate. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China.
If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.
Investment guarantee is a kind of safe investment, which can protect investors' funds. If you choose investment guarantee, the interest earned by investors will be calculated according to fixed interest rate, floating interest rate or market-linked formula. For many people, investment guarantee (or other conservative fixed-income investment) is a good choice to protect the portfolio.
The loan terms of China Industrial and Commercial Bank are as follows:
1, with urban permanent residence or valid residence status.
2. Have a stable occupation and income and good credit.
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house, without economic pressure.
Force.
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors, repay the loan principal and interest and bear joint and several liabilities.
5. As stipulated in the purchase contract, the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank.
6. Other conditions stipulated by the bank. The materials to be submitted when applying for a loan, and the required copies.
Legal basis:
Eleventh provisions of the Interim Measures for the Administration of Personal Loans
Article 7 of the Interpretation of the Supreme People and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases clearly points out that those who knowingly help others to commit crimes, such as credit cards, mobile phone cards, communication tools, communication transmission channels, network technical support, and expense settlement, shall be punished as * * *.
ICBC loan interest rate?
ICBC's loan interest rate in 2022 is adjusted according to the central bank's benchmark interest rate. The loan interest rate of each bank is different, and the actual loan interest rate needs to be determined according to the specific situation of the bank. The following is the relevant content of ICBC loan interest rate in 2022.
Let's take a look at Dakajun's latest news inquiry about ICBC's interest rate adjustment in 2022:
The central bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15 to124, so as to further accelerate the interest rate marketization reform.
Adjust the benchmark interest rates for loans and deposits of financial institutions.
(1) Reduce the benchmark interest rate of RMB loans of financial institutions. Among them, the one-year loan interest rate was lowered from the current 4.6% to 4.35%, down by 0.25 percentage point; The loan interest rates of other grades will also be adjusted accordingly.
(2) Reduce the benchmark interest rate of RMB deposits of financial institutions. Among them, the one-year deposit interest rate was lowered from the current 1.75% to 1.5%, down by 0.25 percentage point; The interest rates of other grades of deposits will be adjusted accordingly. The deposit interest rate remains unchanged.
(3) Reduce the deposit interest rate of individual housing provident fund. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered from the current 1.35% to 1. 1%, down by 0.25 percentage point. The interest rate of individual housing provident fund loans remains unchanged.
On the evening of April 15, 2022, the central bank decided to comprehensively reduce the deposit reserve ratio of financial institutions by 0.25 percentage points on April 25 (excluding financial institutions that have implemented the deposit reserve ratio of 5%), releasing long-term funds of about 530 billion yuan.
On February 6, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on February 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.4%.
On July 9, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on July 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.9%.
Industrial and Commercial Bank of China
China Industrial and Commercial Bank was established in June 1984+ 10/0/. 20051October 28th, 10, the whole company was restructured into a joint stock limited company. On June 27th, 2006, 10 was successfully listed on Shanghai Stock Exchange and Hong Kong Stock Exchange on the same day. Through continuous efforts and steady development, it has entered the ranks of the world's leading big banks, with high-quality customer base, diversified business structure, strong innovation ability and market competitiveness, and provided a wide range of financial products and services to 5.784 million corporate customers and 530 million individual customers around the world. Take serving the real economy as the starting point and end result of management, adhere to new ideas, new finance and new services, support supply-side structural and economic transformation and upgrading, and realize its own healthy and sustainable development. With the deepening of innovation and business transformation, retail finance, asset management and financial markets have become important engines for profit growth. The international and comprehensive business pattern has been continuously improved, and the overseas network has expanded to 42 regions, further enhancing the profit contribution. In 20 16 years, for the fourth consecutive year, it ranked first in Banker's global 1000 big banks, Forbes' global enterprise 2000, and Fortune's "500 hadron list of commercial banks". The latest LPR shows that on August 22nd, 2022, the LPR for 1 year was 3.65%, and that for five years or more was 4.3%. Of course, loans of more than five years are mainly for mortgages, so for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.3%.
According to the notice issued by the central bank on May 15, 2022, the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to be no less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the second set of commercial personal housing loans was implemented according to the current regulations.
Before the adjustment, the lower limit of the first home loan interest rate is the quoted interest rate of the loan market for the corresponding term, and the second set is LPR60 basis points. According to the latest loan market quotation (LPR) on August 22nd, the LPR of 1 year is 3.65%, and that of 5 years and above is 4.3%.
This means that if the loan is used to purchase the first ordinary self-occupied house, the interest rate of commercial personal housing loan is not less than 4. 1% (LPR is 4.3% minus 20 basis points for 5 years and above).
Although LPR may have been talked about a lot, I think it is necessary to remind you of a few points.
The same LPR, but different cities have different algorithms and different degrees of implementation.
Actual mortgage interest rate (65438+February) =5-year LPR interest rate (65438+February).
After adding some points, the actual mortgage interest rates in various places are basically the same as the original floating interest rates: in most cities, the first set of interest rates rose slightly, the second set of interest rates fell slightly, and mortgages became slightly more expensive.
That's all for the introduction of ICBC's wage and loan interest rates.