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You are here: Rong 360 Home Loan channel         Shenzhen Industrial and Commercial Bank Personal Consumption Loan

ICBC - Personal Consumption Loan

Brief Introduction
Mortgage property                                                             Office worker can apply 7 days loan
Optional amount of 300,000 to 10 million
Ten thousand yuan
Optional period from December to June
Month
1.37Ten thousand yuan
42804 Yuan

Interest rate description: monthly interest rate 0.42%   Early repayment instructions

The institution suspends the loan application We have carefully selected other loans for you, so let’s take a look.
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;
The collateral is located in the area: Shenzhen;
Type of collateral: ordinary houses, villas, shops, office buildings, factories;
Revenue requirements: twice the loan amount, need to provide bank flow;
Industry restrictions: Self-employed individuals such as individual industrial and commercial households and private owners are not accepted for application.
materials needed
            Proof of identity of the borrower (legal and valid identity documents, household registration certificate, proof of marital status, etc.);
Proof of the borrower’s income or other source of repayment;
Mortgage ownership certificate and collateral assessment report
a valid identification of the mortgagor and the collateral co-owner (if any) and a letter of commitment to consent to the pledge;
Other information requested by the Bank.
Interest rate statement
Loan term (month)Annual interest rate
12-60Benchmark interest rate rises by 15%


success case
450
20 days of loan time Receiver: Manager Chen Application on August 26, 2015
Mr. Zhu: Self-employed, with a business life of 5 years or more, has already obtained a business license.
100
20 days of loan time Receiver: Zhong Manager Application on December 26, 2014
Mr. Chen: The property type is a commercial residence. The property value is 1.5 million yuan, and the application amount is 650,000, which is the acceptance amount.
30
7 days of loan time Receiver: Manager Li Application on November 29, 2014
Mr. Yi: Office worker, working for more than 7 years, monthly punch card salary is 5300 yuan
15
20 days of loan time Acceptant: Yan Manager Application on November 3, 2014
Mr. Liu: Office worker, working years 1 to 3 years, monthly cash income of 20,000 yuan
twenty three
Loan time 3 days Receiver: Manager Li Application on October 29, 2014
Mr. Zhou: Office worker, working years 4 to 7 years, monthly salary is 8200 yuan
common problem
  • 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.
    2016-10-04
  • 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.
    2016-09-25
  • problem:
  • Reply:
    Shenzhen will put a "big move" to upgrade the talent housing policy and come up with more "real money" and "breakthrough" measures to attract and retain talent. ||112874
    2017-07-18
The institution suspends the loan application We have carefully selected other loans for you, so let’s take a look.
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.
Loan assistant
1 minute to figure out how much you can borrow
Is it more cost-effective than your loan?
The artifact is in hand, not buying a house
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