1. The following is written for you by Industrial and Commercial Bank of China.
Personal microfinance of China Industrial and Commercial Bank is a small, short-term RMB loan issued by China Industrial and Commercial Bank to customers for legitimate business activities.
China Industrial and Commercial Bank Personal Microfinance Application Conditions
A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence;
Having legal and valid identification and proof of marital status;
Obtained a credit rating of D or above in China Industrial and Commercial Bank;
It has legal business qualifications and fixed business premises, and can provide legal business licenses (or merchant business licenses, booth licenses, industry business licenses, etc.). ) and the property right certificate or contract lease certificate of the business premises;
Having 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 known financial institutions such as China Industrial and Commercial Bank;
In addition to credit guarantee, it can provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank;
Open a personal settlement account in China Industrial and Commercial Bank;
Other conditions required by China Industrial and Commercial Bank.
China Industrial and Commercial Bank Personal Microfinance Application Materials
The original and photocopy of the valid identity certificate and marital status certificate of the borrower and its spouse.
Annual business license (or valid business license, booth certificate, industry license, etc.). ).
Proof materials reflecting the operating conditions and repayment ability of the borrower or its business entities.
In case of secured loan, information shall be provided in accordance with relevant regulations of China Industrial and Commercial Bank.
Other documents or materials required by China Industrial and Commercial Bank.
Apply for the characteristics of personal micro-loan products of Industrial and Commercial Bank of China.
Personal micro-loans are issued by credit or guarantee, without collateral, which is flexible and convenient. The guarantee method can be natural person guarantee, merchant joint guarantee or guarantee company guarantee.
Loan amount and term: the maximum loan amount for a single household is 500,000 yuan, of which the maximum credit amount for a single household is 200,000 yuan. The loan term is generally within 6 months.
Second, the following is written for you by China Construction Bank.
1, China Construction Bank personal microfinance application conditions
Stable income
Good credit status
Have repayment ability
Is a local resident population and can provide relevant certificates.
China Construction Bank Personal Microfinance Application Materials
Original and photocopy of the borrower's valid identity certificate;
Local permanent residence or valid residence identity certificate
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy;
Credit certification materials of the borrower;
Other documents and materials stipulated by the Construction Bank.
2, China Construction Bank personal microfinance application process steps.
Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
Issue loans. After all the formalities are completed, the loan approved by the bank will be transferred to the settlement account opened by the customer in China Construction Bank by the bank according to the contract;
Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Loan settlement. Loan settlement includes normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the loan expires, the borrower must apply to the bank in advance to settle part or all of the loan according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.