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Hebei Industrial and Commercial Bank loan
What is the mortgage interest rate of Baoding Industrial and Commercial Bank?

202 1, the interest rate of ICBC's short-term loan (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

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.

The individual has gone through the loan cancellation process of Hebei Dingxing Industrial and Commercial Bank, and the loan has been approved. Because the national policy cannot be transferred, I want to cancel the loan.

You can further consult the account manager or loan bank to provide you with more specific answers. Please pay attention to the official account of "China Industrial and Commercial Bank Customer Service" WeChat, and reply to the "loan outlets" to inquire about the contact information of the handling outlets.

(Answer time: March 20, 2020. In case of business changes, please refer to the actual situation. )

How does China Industrial and Commercial Bank borrow money and what conditions do it need to meet?

Materials to be provided for the loan: applicant's ID card, household registration book, income certificate, property certificate, guarantor's ID card, household registration book, proof of marital status and other relevant materials that the bank needs the applicant to provide.

China Industrial and Commercial Bank has four kinds of loans: housing loans, consumer loans, commercial loans and special loans. Just choose the appropriate loan type.

I. Housing loan

It is subdivided into six types of loans: housing provident fund (portfolio) loans, first-hand personal housing loans, second-hand personal housing loans, fixed-interest personal housing loans, direct personal housing loans and personal self-built housing loans.

Second, consumer loans.

It is subdivided into seven types: financing e-loan, personal home consumption loan, easy loan, personal car loan, personal cultural consumption loan, personal student loan and personal study abroad loan.

Three. Operating loan

It is subdivided into four types: personal business loans, personal business loans, personal commercial vehicle loans and personal commercial housing loans.

Fourth, characteristic loans.

It is subdivided into five loan types: individual, personal loan online loan, personal loan card loan, personal entrusted loan and personal credit loan.

Personal business loan application conditions:

1. The age of a natural person with full capacity for civil conduct is between 18 and 60.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.

3. It has legal business qualifications, and can provide business licenses for individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, or hold business licenses such as business licenses, business licenses of merchants, booth licenses or other legal and valid business qualifications.

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.

6 to provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank.

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.

8. Other conditions stipulated by China Industrial and Commercial Bank.

Extended data

Personal loan repayment method

(1) Equal repayment of principal and interest. This is the most common repayment method recommended by banks at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period.

Using this repayment method, the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month. This repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high.

(2) Repayment of equal principal. This is also the repayment method commonly used by banks at present. The borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month.

This repayment method is suitable for people with higher income at present, but it is predicted that their income will decrease in the future.

(3) One-time repayment of principal and interest. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. However, when banks choose this repayment method, the approval will be stricter, and they are generally only open to small short-term loans. This repayment method is simple to operate, but its applicability is not strong.

(4) Pay interest and principal on schedule. After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. Not all banks have this repayment method, which is suitable for people with unstable income.