There are many kinds of personal and corporate loans of ICBC, which can meet the needs of different borrowers, such as decoration, renting, education, tourism, wedding and so on. And the urgent need for capital turnover in production and operation, you can find the loan you want at ICBC. Here, we will introduce mortgage loan.

Interest: annualized interest rate is 3.85%

Duration: the longest is 10 year.

Repayment method: interest shall be settled on a daily basis and repaid on a monthly basis.

Property requirements: 70% residence, 55% villa, 40% business apartment, 50% office building, 40% shops and 50% supporting parking spaces.

Company requirements:

Self-employed: Operating entity for half a year.

Small and micro enterprises: operating entities for half a year.

Credit requirements:

① A single loan or credit card is overdue for no more than 6 times within 2 years, and cannot be overdue for more than 60 days twice within 2 years.

② Some overdue cases with special reasons can be communicated as appropriate, those with overdue 1 0,000 yuan can be communicated, and those without malice can be communicated.

③ No more than 6 loan inquiries in the last three months.

Advantages:

1. The interest rate is low, but the available amount is high.

As you borrow, you will get interest if you use it, but you will get no interest if you don't use it. Suitable for reserve funds.

Tips: Enterprises and individuals should never think of financing or loans when they are most short of money. Reasonable liabilities and reasonable asset allocation are the best protection for yourself.

Disclaimer: In order to convey more information, this article is subject to the release of local banks and financial institutions. If the product information is incorrect or has other objections, please contact us by feedback.