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What are the conditions for ICBC's Cai Yun loan?
1. What are the conditions for ICBC's Cai Yun loan?

ICBC's "Cai Yun Loan" is a kind of real estate mortgage loan, which mainly meets the personal consumption funds and the liquidity needs of small and micro owners and individual industrial and commercial enterprises. The maximum amount of a single loan is 7 million yuan, of which 2 million yuan can be used for consumption and 5 million yuan can be used for operation, and the longest term is 10 year. During the promotion period from 2022 12 to March 3, 20231,the one-year annualized interest rate (simple interest) was as low as 3.6%. Eligible customers only need to bring their real estate license, ID card, ICBC debit card and proof of use to any ICBC outlet, and at the same time, they can provide customers with equal monthly repayment of funds and monthly principal and interest.

2. What are the requirements for applying for a loan from ICBC?

What are the requirements for applying for an ICBC loan? Conditions for applying for an ICBC loan: 1, China citizens with permanent residence in China and permanent residence in local towns 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. In addition to the above basic conditions, borrowers who meet one of the following specific access conditions are special access customers for credit loans: (1) middle and senior management personnel and senior professional and technical personnel are ICBC's high-quality corporate customers. (2) The individual's own assets are more than 2 million yuan (inclusive). (3) Peony Platinum Card customers. (4) Having held the personal finance account of China Industrial and Commercial Bank for more than 65,438+0 years (inclusive) and the average annual deposit balance of the account is more than 200,000 yuan (inclusive). (5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).

What are the conditions for ICBC loan? The conditions of ICBC loans are basically the same as those of other banks. Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate vehicles; Bank loan requirements: For those who have reached the age of (1) 18 and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates, the age of the lender required by bank loans is generally between 18-60 years old; (2) have a stable legal income and the ability to repay interest; (3) Good credit information; (4) Other conditions required by the lending bank. To apply for a bank loan, you need to prepare information: 1. Valid identity documents; 2. Permanent residence or valid residence certificate, permanent residence certificate; 3. Proof of marital status; 4. Bank flow; 5. Proof of income or personal assets; 6. Credit report; 7. Use plan or loan purpose statement; 8. Other information required by the bank. The process is generally divided into three steps: (1) The customer submits basic information, including the work unit and contact telephone number. (2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises. (3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

What are the conditions for ICBC loan? Can college students get loans? Yes But this requires conditions. What are the requirements for personal loans of ICBC? 1. The age of a natural person with full civil capacity is between 18-60 years old. Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence. 2. Have a valid identity certificate and proof of marital status. 3. Obtained a credit rating of D or above in China Industrial and Commercial Bank. 4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses for merchants, booths, industries, etc.). ) and the property right or contract lease certificate of the business premises. 5. Have the ability to repay the loan principal and interest in full and on time. 6. It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions. 7. In addition to credit, legal, effective and reliable loan guarantees recognized by China Industrial and Commercial Bank can be provided. 8. Open a personal settlement account in China Industrial and Commercial Bank. 9. Other conditions required by China Industrial and Commercial Bank.

There are several ways to borrow money: if you really want to borrow money, you must have a guarantor and collateral. This is the bank's policy. The interest is 5%. It's 100.50 yuan a month, and you must borrow money for more than one year. The quota can take care of you, otherwise it must be above 65438+ 10,000 to 1.5 million. Need to know the minimum information of your family, ID card, household registration book, land certificate, home address, parents' work unit, actual repayment ability and entrepreneurial projects, which will be considered comprehensively before approval. The country does have college students' venture funds to lend, but that is a national policy, which does not mean that it can be fully implemented. You see, the loan is so easy. What should I do if I don't? Even if the country has the money to open experiments for college students, the national bank should make money to eat, and it is more willing to lend money to entrepreneurs with good reputation, which is safer and more profitable. So approval is very difficult. Loan companies need guarantors and collateral for quick approval, high interest and short time. The interest is 3 cents. The interest of the pawnshop is 4 cents. You have no collateral, no real estate, no loan. Rural credit cooperatives mortgage agricultural products, land and other postal savings to have a fixed income and a fixed job. As a student, you won't lend it to the underworld. Unless your parents are very good, just sign it, and the interest is ten cents. Borrow 100 yuan a month and pay it back 10, and some of it still carries interest. No, it can still torture you. Liars don't have unsecured advertisements on the internet, they are all deceptive, and some of them charge interest and run away. Some use your credit to brush money. You just graduated, and your credits are too important to you. If you really become a boss or something in the future, with a bad bank record, you will never get a loan for starting a business. But also involves many other problems, which is very troublesome. Therefore, college students with no stable income, no one to help guarantee the mortgage, the project is not very good, and the loan is difficult. My advice to you is to do some unprofitable business first, such as education or online shop, with small investment, big return and small risk.

What are the requirements for applying for a bank loan? If you have our bank in your city, you can try to apply for a personal loan through our bank (generally using real estate as collateral). The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

What information and conditions does ICBC need to apply for a loan? If it is a credit loan, the materials are as follows: 1, ID card; 2. Credit information in the last six months, and the credit information is good; 3. The bank card under the name for nearly half a year has been flowing without interruption; 4. Proof of residence permit (rental contract, real estate license, water and electricity invoices for the last three months) 5. Income certificate issued by the work unit.

What are the requirements for bank loans? Marriage certificate: husband and wife ID card: personal income certificate: and bank running water and mortgage. The premise is that there is no loan before, and the loan has no bad record.

At present, there are generally three ways of personal guarantee: 1, mortgage, and the types account for more than 80%; 2. Guarantee, the category accounts for about15%; 3. Margin, category accounts for about 5%; The landlord should guess the credit limit that the bank can provide you and the possibility of loan approval through the guarantee he can provide to the bank. If the landlord can provide collateral approved by the bank, such as real estate, land, factory buildings, etc. The loan is most likely to be approved and the amount is the highest, followed by the guarantee, but the bank's credit review of the guarantor is very strict. So I suggest that the landlord take a mortgage loan. You can consult the personal finance department of each bank, and they will tell you the specific materials and other conditions that need to be provided for the loan.

What are the requirements for bank loans? Materials to be prepared for loan: 1, lender's ID card; 2. The credit information of the lender in the past six months, and the credit information is good; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. Lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months) 5. Income certificate issued by the lender's work unit. If you don't have a job, you can make a mortgage, such as a house or a car.

Three. Personal loan conditions of ICBC

ICBC's two most commonly used personal loans are: personal collateral, local and foreign currency time deposit certificates (discounted) owned by borrowers or third parties and issued by the Bank, government bonds issued by the Bank after voucher (including electronic bookkeeping: electronic bookkeeping government bonds cannot be made due to system problems) 1999 (inclusive), counter-type government bonds (at present, counter-type government bonds cannot be made due to system problems) or registered finance. (At present, our bank has not signed a pledge payment guarantee agreement with other local commercial banks, so other banks' deposit certificates (discounts) cannot be processed in our bank for the time being). II. The borrower's conditions are 1, and he is a natural person with full civil capacity who is at least 18 years old when applying for a loan; 2. Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule; 3. Being able to provide collateral recognized by the bank; 4. Open a personal settlement account and a personal loan comprehensive account in China Industrial and Commercial Bank; 5. The individual borrower of e-banking must also be a registered customer of e-banking and hold an individual customer certificate of e-banking. 6. Other conditions stipulated by the bank. III. The borrower shall submit the information 1, the borrower's valid identity certificate and a copy thereof; 2. Deposits in local and foreign currencies issued by banks owned by borrowers or third parties, and voucher-type treasury bonds or registered financial bonds issued by banks after 1999 (inclusive); Savings deposit certificates issued by other local commercial banks with inter-bank guarantee agreements for pledge payment (discount); 3. If the third party's valuable documents are pledged, the original and photocopy of the third party's valid identity documents and the written authorization for agreeing to pledge shall be provided. 4. To apply for an individual borrower in e-banking, you must also register an individual customer in e-banking and have an individual customer certificate in e-banking. Four. The minimum loan amount is 5,000 yuan, and the maximum loan amount does not exceed 90% of the pledged amount. And the single loan amount and the loan amount of the same customer shall not exceed the authorized limit. Among them, the starting point of each personal loan amount of e-banking is 65,438+00,000 yuan, and the single loan amount and total loan amount of the same customer shall not exceed the prescribed limit. V. Loan Term The loan term shall not exceed 65,438+0 years. Personal property mortgage comprehensive consumption loan. Borrower's condition 1, a natural person aged 23-60 with full capacity for civil conduct; 2. Have a permanent residence in this city or a legal and valid residence status, and have a fixed residence; 3. The applicant has a stable occupation and income, and has the ability to repay the loan principal and interest on schedule; 4, I or family monthly income is less than 5000 yuan (inclusive), the monthly repayment amount should not exceed 50% of their monthly income; 5, the monthly income is higher than 5000 yuan, the monthly repayment amount should not exceed 70% of its monthly income; 6. Being able to provide mortgage guarantee for loans with legal and effective houses; 7. Open a personal settlement account in China Industrial and Commercial Bank; 8. Abide by the law and have no illegal or bad credit records; 9. Other conditions stipulated by the lending bank. Two. Materials to be submitted by the borrower: 1, borrower's identity certificate, original and photocopy of household registration book, and proof of marital status; 2. When the borrower and his spouse are not in the same domicile, they shall provide the spouse's identity certificate and the original and photocopy of the household registration book; A. Beijing urban residents: resident ID card, household registration book and marriage certificate (if the borrower's spouse is in the same household registration place, it is not necessary to provide a marriage certificate, but only a common household registration book); B foreigners in Beijing: resident identity card, temporary residence permit and marriage certificate (if the borrower's spouse is in the same household registration place, it is not necessary to provide a marriage certificate, but only a joint household registration book). 3. Proof of income or employment; 4. Proof of residential address (it can be a certificate issued by the community management agency or police station where the borrower lives); 5. Copy of personal settlement account voucher issued by our bank; 6. A written document issued by the owner of the house agreeing to mortgage. If the applicant mortgages other people's houses (only between parents and children, and both parents and children must be persons with full capacity for civil conduct), notarized documents of the owner and co-owner agreeing to mortgage are required. 7. Proof of ownership of the mortgaged house; Commercial housing: ① Property ownership certificate, ② State-owned land use certificate (if any), ③ Real estate sales contract, ④ Purchase invoice, and ⑤ Beijing commercial housing sales contract. In this article, the applicant must provide ① information, ② the cooperative intermediary agency will advise the applicant to provide the household land use certificate or the developer's large land use certificate according to the specific situation of the mortgaged house, ③ ④ ⑤ when the mortgaged house does not need to be evaluated. Purchased public housing and affordable housing: ① property ownership certificate, ② state-owned land use certificate (if any), ③ real estate sales contract, ④ purchase invoice (if any), and ⑤ housing sales contract. If the mortgaged house is affordable housing, the information in Item 1 of this article shall be provided; If the mortgaged house is a purchased public house, the information in Item 1 and Item 5 of this article shall be provided. Other information can be provided by the lending bank as appropriate. 3. The basic condition for mortgaged property shall be 1. The property must have clear property rights and meet the requirements for entering the real estate market stipulated by the Beijing Municipal Government. The construction period should be commercial housing, affordable housing, purchased public housing, high-grade apartments, villas, shops, office buildings or commercial and residential dual-use houses after 1; 2. Commercial housing and purchased affordable housing. The purchased affordable housing refers to the affordable housing purchased according to the guiding price stipulated by the Beijing Municipal People's Government, including the housing projects purchased by urban workers in this city according to the relevant policies of urban housing system reform higher than those stipulated by the state and the municipal people's government and the housing built by fund-raising cooperation; 3. Purchased public housing. Refers to the public housing purchased by urban workers in this city at the standard price (including the preferential measures for the standard price) according to the provisions of the state and the Beijing Municipal People's Government on the reform policy of urban housing system; Supplement to the respondent 2009-05-08 13:324. In accordance with the relevant policies and regulations of the state and the Municipal People's Government on the reform of the urban housing system, the urban workers in this Municipality shall be deemed to have purchased public housing if they purchase housing for housing projects at the standard price or at the prescribed price and raise funds for cooperative housing. Four. Loan Term and Amount The loan term shall not exceed 3 years, and the maximum loan principal and interest shall not exceed 70% of the assessed value of the collateral.

4. What conditions does ICBC need to operate fast loans?

The conditions for operating fast loans are as follows:

1. The borrower must be the legal representative of the enterprise in actual control, have full capacity for civil conduct, and be at the age of 18 (inclusive) -65 (exclusive).

2. Operating industries are not real estate and financial industries.

3. High pollution, high emission and restricted industries are not allowed to enter.