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Industrial and Commercial Bank - Consumer Loans

Brief Introduction
Mortgage property                             No identity restrictions 26 days loan
Optional amount of 500,000 to 300,000
Ten thousand yuan
Optional period from December to June
Month
1.31Ten thousand yuan
42754 Yuan

Interest rate description: monthly interest rate 0.4%   Early repayment instructions

For mediation, please consult the intermediary guarantee (with additional fees)

Manager Deng

Shanghai Xuanxiang Electronic Technology Co., Ltd.

Credit managers will abide byCredit Manager Service ConventionIf you have any questions, please call us through customer service.
Application conditions
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            Age requirements: up to 20 years;
Valuation requirements: minimum of more than 1.5 million yuan, the commercial office building price of 20,000 / square meters or more;
Located in the area: Shanghai local (except Chongming, foreign real estate);
Type of collateral: residential, retail, office, villa;
The sum of the loan term and age does not exceed 65.
materials needed
            1. Applicant and spouse identification, account book, marriage certificate
2. The work certificate issued by the company must be stamped with official seal or personnel chapter.
3. ICBC card under the name of the applicant
4. My name is Shanghai local real estate
5. Other information (if any): other properties, stocks, deposits, cars, running water, etc.
Interest rate statement
Loan term (month)Annual interest rate
12-60Benchmark interest rate rises by 10%

 

success case
100
Loan time 17 days Acceptant: He Manager Application on June 18, 2016
Mr. Dai: Office worker, working for more than 7 years, monthly salary is 8,000 yuan
50
20 days of loan time Receiver: Manager Application on December 2, 2015
Mr. Yang: The property type is a commercial residence. The property value is 2.8 million yuan, and the application amount is 500000, which is the acceptance amount.
100
Loan time 3 days Receiver: Qi Manager Application on March 24, 2014
Mr. Xiao: The type of property is a shop. The property value is 2.3 million yuan, and the application amount is 1000000, which is the acceptance amount.
50
20 days of loan time Receiver: Manager Liu Application on February 26, 2013
Mr. Zhang: The property type is a commercial residence, the property is located in the central city, and the residential age is 15-20 years (inclusive).
130
20 days of loan time Receiver: Manager Liu Application on December 12, 2012
Mr. Zhao: The credit record is good within two years, and there are (with real estate license) under the name of parents and spouses.
common problem
  • problem:
  • Reply:
    Yes, the third party can be the borrower and the real estate owner can act as the mortgagor. You can also apply for an unsecured bank loan if you have a property.
    2016-10-06
  • problem:
  • Reply:
    2 to 3 weeks have the approval result clear interest rate, amount. Then go to the trading center to transfer, the name of the certificate is changed to 5 to 7 working days after the lender.
    2016-09-25
  • problem:
  • Reply:
    According to the National Bureau of Statistics, from January to November this year, the sales of commercial housing reached 1,200.5 billion yuan, which is higher than the GDP of South Korea, Australia, Russia and other countries last year. China's real estate industry seems to be rich and enemy. ||125645
    2017-07-18
  • problem:
  • Reply:
    If you don't pay the provident fund, you can apply for a provident fund loan. Compared with commercial loans, the provident fund loan is more strict in terms of data review and credit history. Therefore, the credit record is not good. It is often seen when you apply for a provident fund loan. For this reason, citizens who are interested in applying for a provident fund loan to buy a house need to pay more attention to the bank's credit record. Ms. Ann suffered from the confusion of the provident fund loan. Ms. An said that her lover has a long-term deactivated credit card, but she has not applied for the cancellation of the account, and she plans to apply for a provident fund loan to buy a house||58857
    2017-07-18

For mediation, please consult the intermediary guarantee (with additional fees)

Manager Deng

Shanghai Xuanxiang Electronic Technology Co., Ltd.

Credit managers will abide byCredit Manager Service ConventionIf you have any questions, please call us through customer service.
The relevant information is collected by rong360 and is not guaranteed to be completely accurate. Please consult with the credit manager.
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