To apply for ICBC, the borrower must first meet the following conditions: (1) a natural person with full capacity for civil conduct, aged between 18 and 60 (excluding). 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. , with legal and valid identification and proof of marital status. The credit rating of the individual borrower in China Industrial and Commercial Bank is above Grade D (inclusive). , with legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses, booth licenses, business licenses, etc.). ) and proof of property rights or contracts and leases of business premises. Have the ability to repay the loan principal and interest in full and on time. It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions. Besides credit guarantee, it can provide legal, effective and reliable loan guarantee recognized by the lender. The borrower opens a personal settlement account in China Industrial and Commercial Bank. Other conditions required by the bank. ICBC has two ways: (1) personal guarantee or credit payment. 2. To apply for a loan by credit, the borrower's credit rating result must be above Grade C (inclusive). The guarantee can be made in the following ways: (1) Natural persons with stable income sources provide joint and several liability guarantee. Take the mode of joint guarantee by merchants. The guarantee is provided by a professional guarantee company.
What are the personal consumption loans of ICBC _ how to apply?
Personal consumption loan of ICBC
Personal consumption loans refer to loans provided by banks to borrowers for personal consumption, including but not limited to training, travel, wedding, beauty and fitness, study abroad and other purposes. There are many kinds of personal consumption loan products of ICBC, including e-loan, personal home consumption loan, personal car loan, easy loan, personal cultural consumption loan, personal student loan and personal study abroad loan.
Rong e steet
Rong e loan is an unsecured and unsecured loan issued by ICBC to borrowers who meet the loan conditions. The loan amount is between 6 million and 800,000, and the loan period is as short as 2 months and as long as 2 years. Borrowers can choose according to their actual needs. The loan amount can be used for car purchase, decoration, shopping and other purposes, but not for stock trading and private lending. There are currently online and offline processing methods. Online refers to online banking, mobile banking, ICBC e-life APP, and offline refers to bank outlets.
Personal housing consumption loan
Loans are mainly used to decorate and decorate houses, and purchase large-value consumer goods such as house decoration materials and durable consumer goods. The maximum loan amount is 6,543,800 yuan and the longest loan period is 5 years.
Personal car loan
It is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply for car purchase. The maximum loan amount can reach 80% of the car purchase price, and the maximum loan period is 5 years. There are two loan models: direct customers and indirect customers.
Direct customer service: the borrower directly submits the application materials related to the auto loan to ICBC, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. The borrower will go to ICBC's car dealer to buy a car.
Intermodal mode: the borrower buys a car at the special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer transfers to ICBC to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
Dai Yi
Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank of China to customers who hold debit cards (or passbooks) and credit cards of China Industrial and Commercial Bank of China. According to certain rules, it can be used by special merchants of China Industrial and Commercial Bank for credit card consumption or online shopping. The loan term can be freely selected from four terms: 6 months, 12 months, 24 months and 36 months, and the loan will be repaid by equal monthly installments.
Personal cultural consumption loan
Loans are mainly used for personal education and training, tourism, wedding, beauty and fitness, club membership activities and other cultural consumption purposes. The maximum loan amount is 6,543,800 yuan, and the longest loan period is 654.38+00 years.
Personal student loan
Personal student loans are divided into national student loans and commercial student loans. The national student loan is applicable to full-time undergraduates, junior college students (including vocational college students), graduate students and students with second bachelor's degree, to ensure that poor students can successfully complete their studies, with a maximum of 6,000 yuan per academic year. The borrower must pay off the loan within 6 years after graduation. The amount of commercial student loans shall be determined by the bank according to the borrower's credit status and the guarantee provided, and the maximum amount shall not exceed 500,000 yuan. The shortest loan period is 6 months and the longest is 8 years.
Personal loan for studying abroad
Personal study abroad loans provided by ICBC are divided into withdrawal-type personal study abroad loans and non-withdrawal-type personal study abroad loans, of which the maximum amount of withdrawal-type personal study abroad loans is 2 million yuan; Personal loan for studying abroad is not available, with the maximum loan amount of 654.38+0 million yuan and the longest loan period of 654.38+00 years.
How to get a personal loan from ICBC?
1. Credit loan: A party can apply for a personal loan from a bank based on the information that he has good credit and repayment ability;
2. Mortgage loan: After the mortgage registration of collateral is completed, the parties can sign a mortgage loan contract with the bank, and the bank will release the loan to the designated account.
legal ground
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Personal consumption loan of China Industrial and Commercial Bank:
Banks provide RMB loans to individual customers for designated consumption purposes, including the following four types:
1) ICBC Financial E-loan is a credit consumption loan of ICBC, which can only be used for personal consumption without mortgage guarantee.
2) Individuals: that is, loans applied by lenders with their own time deposits, national debt and other products as security.
3) Personal loan for studying abroad: The loan granted by China Industrial and Commercial Bank to the borrower is mainly used to pay the tuition and fees, living expenses, accompanying fees and other expenses required by the borrower or his immediate family members during their study abroad.
4) Personal home consumption loan: it can be used to decorate houses, buy house decoration materials, durable consumer goods and other large consumer goods, which can be recovered upon application or returned with the loan.
5) Personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recovered once applied.