How to loan bank personal loans

ICBC Personal Loan Process:
. Application: First of all, users need to submit loan applications to ICBC and submit relevant information to the bank for review;
. Approval: Bank will qualify for users and submit submission The information is reviewed, and after the review is approved, the loan amount of the loan will be determined according to the actual situation of the user;
. The loan: Finally, the bank is directly lending. For some mortgage products, after the loan approval is approved, the user needs to complete the relevant mortgage procedures, and the ICBC will loan it to the user's bank card account.
[Extended information]
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to the fund and foreign currency loan issued by banks or other financial institutions to natural persons that meet the conditions of personal consumption, production and operation. When a lender issue a personal housing loan, the borrower must provide a guarantee.
If the borrower fails to repay the principal and interest of the loan, the lender has the right to handle the mortgage or mass in accordance with the law, or the guarantor shall bear the joint responsibility of repaying the principal and interest.
The personal loan (Personal Loans) (referred to as "individual loans"), also known as retail loan business, has risen in Western countries after the Second World War. After decades of development, it has become an important loan loan business. The main reason for the rapid development of Western retail loans after the war after the war is:
1 is the increasingly fierce competition between various financial institutions, and recognize the importance of retail business;
is the post -war Western economic development after the war. It is relatively stable, and personal income is improved, and people are willing to use loans for consumption;
three are a large number of credit reporting agencies, so that banks can easily and quickly understand the credit status of borrowers.
The personal loan in China has been piloted in Shenzhen, hoping to stimulate China's financial industry more channels for development, multiple directions, and diversified development.
The non -banking professional financial institutions also appeared in Beijing. They provide professional small personal credit loan services. It can be called the industry. The banks of loans are similar.

Generally speaking, applying for a bank personal credit loan, you need to meet the basic conditions of the application bank credit loan at the same time and a certain admission project to apply for
. The basic application conditions for personal credit loans With age within 22 to 55, individual banks can loan to 60 years old, have complete civil behavior capabilities
2, income can cover the repayment, have the ability to repay
3, good credit for good credit, not too much inquiry, not too much inquiry
4, no negative information such as criminal cases, bad records
5, not high -risk occupations or banks banned occupations
6, reasonable and compliance of loan use, can provide post -loan
2. Personal credit Loan admission project: (Meet one can be available)
1, salary access: more than one year of work, more than 5,000 wages, social security
2, provident fund base access: one year of work, 700 provident fund base 700 The above
3, the mortgage room monthly supply: the monthly supply will be more than half a year, the monthly supply is above 2000
4, the life insurance policy access: three years of life insurance policies, the annual annual payment of the policy is 2,400 or more, The insured is my
5, the value of real estate value: There is a clear house in the local area, the real estate has a certain transaction value, holds a certain period of time, and the property owner of the property certificate is not more than three.
6, car owner access: there is a car under the name, it can provide driving licenses, the car is my own car
7, corporate flow level entry: business owner or individual households have a certain income flow of water flowing water Generally, the one -year end of the agent requires greater than 28 yuan
8, tobacco business business license access: individual industrial and commercial households who do tobacco operate can apply for credit loans
9, enterprise invoicing access: If there are more enterprises, business owners or shareholders can apply for a borrowing loan in a personal name
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