Industrial and commercial bank mortgage loan. Personal housing mortgage loan is a kind of loan method that takes the house as collateral and obtains the loan amount from ICBC. 2. Personal housing loan. Used to buy a first-hand or second-hand house, used to buy a house and borrow money from ICBC to buy a house. 3. Personal comprehensive consumer loans. Personal comprehensive consumption loans refer to loans issued by Industrial and Commercial Bank of China to borrowers for traveling abroad and purchasing commodities. 4. Personal commercial vehicle loans. Personal commercial car loan is a way to apply for a loan from ICBC. Personal commercial vehicle loans are only for individuals. Personal small sum. It is a loan method that the lender applies to the bank with credit as collateral, which is used for personal business and temporary capital turnover.
2. What are the loan projects of China Industrial and Commercial Bank?
Personal first-hand housing loans, personal second-hand housing loans, personal commercial housing loans, personal self-built housing loans, personal automobile loans, personal comprehensive consumption loans, personal housing mortgage loans, personal and personal credit loans, national student loans, personal business loans, personal revolving loans, personal entrusted loans and personal housing provident fund entrusted loans. There are also corporate loans, small business loans and so on.
3. What products does ICBC loan have?
1. Rongge loan refers to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliant consumption purposes. 1 year loan interest rate 5. 22%, 1 year or above, the loan interest rate is 5. 7%。 600 yuan borrows money with a maximum amount of 800,000 yuan, a maximum term of 5 years and a maximum grace period of 12 months. The repayment method is flexible, supporting early repayment and the fastest real-time payment.
2. Individuals are RMB loans granted to customers by China Industrial and Commercial Bank with legal and effective collateral as the guarantee. The minimum amount for a single transaction is 500 yuan, with a maximum of 300,000 yuan, and the maximum amount for a single household is100,000 yuan. The loan period is free, the shortest is 8 days, and the longest is 1 year. You can choose any number of days in this interval. Simple operation process, self-service, automatic approval and quick receipt.
3. Easy Loan Easy Loan is a credit consumption credit service provided to customers who hold their own ICBC debit and credit cards when they swipe their cards at ICBC merchants or shop online. There is no need to mortgage, sign in person, submit loan information and wait for loan approval. A single consumption of 100 yuan can be handled, and the maximum amount of a single household can reach 200,000 yuan. Debit cards and credit cards can be used, and the loan period is up to 3 years, which can be repaid with the loan.
4. Online lending refers to personal revolving loans that customers apply for, withdraw and repay loans through Internet channels such as counters or online banking and mobile banking. Loans have a wide range of uses, simple and fast procedures, and can meet the demand for funds anytime and anywhere. A variety of mortgage (pledge) loans can be used, and the loan funds can be recycled, which supports repayment as you borrow.
5. Personal home consumption loans Personal home consumption loans are RMB loans aimed at home consumption such as decoration and decoration of houses, purchase of home decoration materials and durable consumer goods. The maximum loan amount can reach 6,543,800 yuan. The longest loan period can reach 5 years.
4. What personal loan products does ICBC have? You'll know after reading it
As one of the state-owned banks, ICBC has many loan products, which can basically meet the needs of customers. For example, if individual users are in urgent need, they can apply for ICBC personal loan products. There are several types of personal loan products of ICBC. Let's take a look at them.
1. Personal housing loans: loans granted by China Industrial and Commercial Bank to borrowers for purchasing houses legally built and sold (pre-sold) by real estate development enterprises, mainly including first-hand personal housing loans, second-hand personal housing loans, personal housing portfolio loans and personal housing provident fund loans. 2. Personal business loans: RMB-guaranteed loans for business activities, including personal business loans and personal employment loans. 3. Personal consumption loans: RMB loans granted by banks to individual customers for designated consumption purposes, including the following four types: 1) ICBC Ronge 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. 4. Personal car loans: loans used to buy cars are divided into personal car loans and personal commercial vehicle loans. The former is used to buy a car for personal use, and the latter is used to make a profit by buying a car loan.