First of all, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form;

(2) proof of residential address;

(3) proof of occupation and income; And other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.

Information to be provided by the borrower

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

Application conditions

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;

5. Open a personal settlement account in China Industrial and Commercial Bank;

6. Other conditions stipulated by the bank.

In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:

(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;

(2) Personal assets of more than 2 million yuan (inclusive);

(3) Peony Platinum Card customers;

(4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);

(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).

amount of loan

The starting point of the loan amount is 6,543,800 yuan, and the highest is 6,543,800 yuan (inclusive).

loan rate

The loan interest rate shall be implemented in accordance with the benchmark interest rate for loans of the same grade in the same period stipulated by the People's Bank of China.

Repayment method

If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, monthly, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the repayment method of monthly principal and interest shall be adopted.

Baidu encyclopedia-personal credit loan