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Industrial and Commercial Bank of China - Business Loans

Brief Introduction
Mortgaged property                             Business owner Self-employed can apply 25 days loan
Optional amount of 50 million to 100 million
Ten thousand yuan
Optional period from December to December
Months
2.61Ten thousand yuan
                        Pay interest regularly and return the due date

Interest rate description: monthly rate of 0.44%   Advance repayment instructions

Consultant Comments: The place of business registration is Hangzhou, and the operating time is over 2 years. The property under the name of Hangzhou local over 80 square meters can apply.
The agency suspended the processing of loan applications We have carefully selected other loans for you, so let’s have a look
Credit managers will abide byCredit Manager Services Convention, If you have any questions, please call us through customer service
Application conditions
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            Business life: registered business for more than 2 years;
Age requirement: up to 20 years (commercial property up to 15 years);
Housing area: no less than 80 square meters;
The collateral is located in the area: Hangzhou;
Types of collateral: residences, villas, shops, office buildings.
materials needed
            1, second-generation ID card, account book, marriage certificate
2, business license (need to pass the annual inspection)
3. Proof of personal income (such as personal tax payment certificate, wage salary certificate, individual's dividend certificate of operating entity, rental income, deposits in ICBC or other banks within the past six months, certificates of average financial assets such as government bonds, funds, etc.)
4, loan card
5. The original and copy of the mortgage property ownership certificate. The right to dispose the person (including the owner of the property) agrees to the mortgage proof.
6. If the loan adopts a guarantee method, relevant information of the guarantor must be provided;
7. Other information requested by the bank.
Interest rate description
Loan periodAnnual interest rate
1 year, credit period up to 5 yearsBenchmark interest rate floats 20%


success case
15
Lending time 2 days Assignee: Shen Jing Manager Apply on December 21, 2016
Mr. Zhou: The business owner, who has worked for 5 years or more, has already obtained a business license.
50
Loan time 18 days Assignee: Shen Jing Manager Apply on October 04, 2015
Mr. Zhao: Business owner, with a business life of 5 years and above, operating registration in the local
1
Waiting for lending Assignee: Shen Jing Manager January 18, 2016 Application
Mr. Xian: Self-employed, with a business life of 5 years and above, has already obtained a business license.
100
Waiting for lending Assignee: senior financial... Application for September 06, 2015
Mr. Zhao: Workers who work for more than 7 years and have a monthly wage of 20,000 yuan.
50
Waiting for lending Assignee: Shen Jing Manager Apply on May 19, 2017
Mr. Chen: Local household registration, office workers, working years 1~3 years
common problem
  • problem:
  • Reply:
    Yes, a third party can be a borrower, and the owner of the property rights can be a mortgagor. Property owners can also apply for unsecured bank loans.
    2016-10-12
  • problem:
  • Reply:
    2 to 3 weeks have a clear result of the approval of the interest rate, amount. Then go to the trading center and transfer the name of the birth certificate to the lender after 5 to 7 working days.
    2016-10-06
  • problem:
  • Reply:
    From May 1, the amount of housing provident fund loans will be reduced to varying degrees: the maximum amount of loan per household for the families of employees who have normally paid housing accumulation funds is adjusted from 800,000 yuan to 600,000 yuan. ||132359
    2017-07-18
The agency suspended the processing of loan applications We have carefully selected other loans for you, so let’s have a look
Credit managers will abide byCredit Manager Services Convention, If you have any questions, please call us through customer service
The related information is collected by rong360 and is not guaranteed to be completely accurate. Please consult with your credit manager for confirmation.
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