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You are here: Rong 360 Home Loan channel         Beijing Industrial and Commercial Bank Personal Business Loan

Industrial and Commercial Bank of China - Personal Business Loan

Brief Introduction
Mortgage property                             Business owner self-employed can apply 10 days loan
Optional amount of 300,000 to 10 million
Ten thousand yuan
Optional period from December to December
Month
1.31Ten thousand yuan
42754 Yuan

Interest rate description: monthly interest rate 0.4%   Does not support early repayment

Consultant Comments: The place of business registration is Beijing, and there are Beijing local real estates available under the name.

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

Yan Manager

Ronglian Weiye Investment Guarantee (Beijing) 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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            Asset requirements: Beijing real estate is required as a mortgage;
Collateral property: ordinary residential, commercial, office buildings;
Place of registration: Beijing;
Housing age requirements: residential no more than 15 years, shops no more than 20 years;
Other conditions: there must be no elderly or children among the owners of the house;
materials needed
            1. The identity document of the borrower (and spouse), household registration certificate, and marital status certificate;
2. A copy of the business license;
3. Personal income certificate: such as personal tax payment certificate, salary and salary certificate, personal dividend certificate of the operating entity, rental income, deposits in the ICBC or other banks within 6 months, treasury bonds, funds and other average financial assets;
4. Proof of company income: certificate of bank settlement account details or tax payment certificate;
5. Mortgage property certificate;
Interest rate statement
Loan term (month)Monthly interest rate
12-120Benchmark interest rate rises by 10%-20%


success case
10
Loan time 2 days Acceptant: Kang Manager Application on September 09, 2015
Mr. Qiu: Office worker, working for more than 7 years, monthly salary is 2,000 yuan
50
20 days of loan time Receiver: Manager Zhang Application on February 26, 2015
Mr. Wang: Foreign resident, office worker, 45 years old
40
10 days of loan time Acceptant: Manager Sun Application on January 19, 2015
Mr. Shen: Local household registration, no fixed occupation, 52 years old
100
10 days of loan time Receiver: Manager Zhang Application on December 15, 2014
Mr. Zhao: 33 years old, the property type is commercial housing, the property valuation is 1.6 million yuan.
158
20 days of loan time Accepted by: Chain Jia Yang... Application on November 16, 2014
Mr. Zhang: Office worker, middle management / department level, working years of more than 7 years
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.
    2016-10-13
  • 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.
    2016-09-28
  • problem:
  • Reply:
    In recent years, with the increasing regulation of real estate, the proportion of investors has gradually decreased, and the proportion of just-needed has gradually expanded. Just need to buy a house, especially those who have the first suite and do not have any loan records should be taken care of. This has always been the case. Banks around the world usually have a 20% discount or a 15% discount on loans, but in the past six months, they just need to buy a house. There is no advantage at all. In other words, buying a house now has to suffer not only in housing prices, but also in the monthly supply. The bank began to reduce the need for the branch || 134999
    2017-07-18
  • problem:
  • Reply:
    Since the beginning of last year, China's property market has entered a stage of explosive growth, and housing prices in first- and second-tier cities have risen to new heights. Since then, many homebuyers and investors have turned their eyes to commercial and residential apartments. In fact, many people have some understanding of some shortcomings before they buy a commercial apartment. The summary is summarized as follows: Loan is difficult, the down payment is high (the down payment is not less than 50%, the loan is not more than 10 years, the interest rate is also The benchmark interest rate is 1.1 times to 1.2 times); the tax and fee concessions cannot be enjoyed; can not be settled; ||131080
    2017-07-18

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

Yan Manager

Ronglian Weiye Investment Guarantee (Beijing) 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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