What conditions do individuals need to apply for ICBC loans?
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.
7. 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-level managers and senior professional and technical personnel of ICBC's quality company customers;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Holding the personal financial account of China Industrial and Commercial Bank 1 year (inclusive) or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
2. What is the procedure of mortgage loan?
1. Pay the down payment and sign the house purchase contract. At this time, we need to pay attention to the audit of "five certificates", namely: state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. According to the regulations, it is not allowed to sell commercial housing without five certificates.
2. Fill in the "Application Form for Personal Housing Loan" when going to the bank or the bank in the business department. Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan.
3. Banks review mortgage applications. The bank's credit staff will review and approve the materials submitted by the applicant step by step. At this time, they will evaluate your property and your credit. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years.
4. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage, and go to the insurance company for home insurance. The above procedures will generally be handled by the bank.
5. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
6. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
To sum up, many people now go to the bank to apply for loans in order to invest or buy a house. Industrial and Commercial Bank of China is a big state-owned bank, and it is conditional for customers to apply for loans. When handling a loan, an individual must have the ability to repay. If an enterprise as a legal person applies for a loan, it shall also open a basic account in the Industrial and Commercial Bank of China. The specific loan amount must be approved by the bank.
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How do individuals borrow money from banks?
The process for an individual to apply for a loan from a bank is as follows:
1. The applicant prepares the materials needed for the application, fills in the loan application form at the loan bank, and submits relevant materials at the same time;
2, the loan bank according to the application materials for pre loan review and investigation;
3. After approval, the borrower signs a loan contract with the loan bank;
4. If you apply for a mortgage loan, the borrower also needs to go through mortgage registration and other procedures;
5. After all the formalities are completed, the loan bank issues the loan and the borrower repays it on time.
Conditions for individuals to apply for bank loans:
1. The applicant must be a natural person with full capacity for civil conduct;
2. Having urban permanent residence or valid residence status requires the borrower to have legal status;
3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
4. Some banks will require applicants to apply for a credit card or loan from the bank, and their credit records are good.
5. Some banks also require assets recognized by the bank to be provided as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability are used as guarantors to repay the principal and interest of loans and bear joint and several liabilities.
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Can I borrow money from the front photo of my ID card and the photo of my bank card?
You must go in person. Loans generally need to bring ID cards, household registration books, marriage certificates, work certificates, bank accounts and financial certificates.
Check whether my basic elements are:
1, ID card: Copy of ID card, photo of hand-held ID card, and both sides of ID card are common vouchers;
2. Bank card: All loan products must be bound with the collection bank card, otherwise payment cannot be made. The bank card must be opened with my ID card, not with someone else's bank card;
3. Mobile phone number: Some people may say, then I can use someone else's ID card photo and then use my mobile phone number. But don't forget, the mobile phone number must be the number left when you apply for a bank card, otherwise the verification will not pass.
Therefore, the ID card, bank card and mobile phone number must match to basically confirm that I applied for a loan, and then assist in authorizing Alipay, JD.COM, credit card, face recognition, telephone call back, etc., and rarely get a loan.
First, what is it?
It is a credit loan for office workers, self-employed individuals and enterprises. It is unsecured and unsecured, and the repayment period is within 1 year. Its main service targets are the vast number of industrial and commercial self-employed, small workshops and small owners. The loan amount is generally less than 200,000 yuan, 1 1,000 yuan or more. With the development and demand of social economy, the state has successively issued a series of supporting policies to develop micro-credit. Some professional microfinance companies came into being, and then several major banks also carried out microfinance business one after another. Its basic characteristics are small amount, unsecured mortgage and serving the poor. However, the review of credit and information is strict.
Second, what is campus loan?
Campus loan refers to the behavior of students borrowing money through various lending platforms. It first appeared on campus in the form of national student loans. As early as 1999, the state began to implement the national student loan policy in some big cities; In February 2000, it expanded to the whole country, and at the same time, it also increased the number of financial institutions lending. In 2004, the state promulgated a new policy to exempt students from all loan interest during their school years, and the Ministry of Finance subsidized financial institutions and delayed the repayment period accordingly. In September 2006, the state implemented the compensation mechanism for student loans.
Banks lend money to specific recipients by issuing credit cards. However, because most students' economy comes from their families, the repayment problem has become a difficult problem, which once caused a series of problems such as high bad debt rate and overdue rate. Therefore, in 2009, China Banking Regulatory Commission issued a document, explicitly requiring that credit cards should not be issued to students under the age of 18 and those who have reached the age of 18 but have no fixed job or stable income source.
How to deal with it
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
Path 1: Bank
If you have a good credit record and a stable job and income, you can go to the bank to handle it. Borrowing in this way can not only get a lower loan interest rate, but also be safe and reliable, which is the best choice for borrowers. However, if the loan threshold is too high, not everyone can get what they want. Therefore, before applying for a bank, it is best for borrowers to evaluate their own situation and see if they are suitable for bank loans, which can save the time for loan approval.
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Path 2: Small loan companies
In addition to banks, borrowers can also find small loan companies to handle loans. Compared with banks, small loan companies not only have a low threshold, but also lend quickly, but the loan cost is slightly higher, because in addition to interest, they have to pay a certain handling fee.
In addition, from the security point of view, small loan companies also slightly lost to banks, so I would like to remind everyone here: in order to find a reliable small loan company, in addition to visiting in person, you must also remember not to pay any fees before you get the loan.
Path 3: Credit card
Many people think that credit cards are simple consumption tools, but in fact, credit cards are also short-term. Moreover, compared with traditional banks, credit cards have another advantage, that is, cardholders can enjoy an interest-free period. In other words, after the cardholder overdraws his credit card, he can enjoy interest-free as long as he repays it before the stipulated repayment date, up to 56 days.
This concludes the introduction of professional loan graph and professional loan head graph. I wonder if you have found the information you need?