"High loan amount, long loan term, various forms of guarantee and strong revolving loan function are the product characteristics of ICBC's personal housing consumption loan." Wang Weidong revealed that the maximum amount of personal housing consumption loans of ICBC can reach 1 10,000 yuan, and the longest loan period can reach 5 years. Loans can be made by mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee.
Extended data
To apply for personal housing consumption loan of ICBC, you must be a natural person with full capacity for civil conduct, aged between 18 and 65 years old, with legal and valid identity certificate and marital status certificate, have a fixed residence in the place where the loan is located, and have a household registration certificate or a valid residence certificate in the place where the lender is located.
Applicants must meet the relevant provisions of the customer rating risk rating and loan rating assessed by the internal rating system of China Industrial and Commercial Bank of China, have a good credit record and repayment willingness, have no record of non-performing loans in financial institutions such as China Industrial and Commercial Bank of China, have a stable source of income, and have the ability to repay the principal and interest of loans in full and on time.
Applicants also need to provide legal, effective, reliable and sufficient guarantees recognized by ICBC or have personal credit loan conditions. To apply for personal housing consumption loan from ICBC, you need to have a clear, legal and compliant loan purpose, and you also need to open a personal settlement account with ICBC.
Hebi Financial Work Bureau-Industrial and Commercial Bank of China launched a personal home consumption loan, and it is not difficult to decorate and buy furniture! The maximum loan is 6,543,800 yuan.