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

Industrial and Commercial Bank - Personal Operating Loan

Brief Introduction
Mortgage property                             Business owner self-employed can apply 22 days loan
Optional amount of 500,000 to 500,000
Ten thousand yuan
Optional period from January to December
Month
2.5Ten thousand yuan
                        Regular interest payment

Interest rate description: monthly interest rate 0.42%   Does not support early repayment

Consultant Comments: Have a property with a valuation of more than 1 million, and apply for a housing age of no more than 15 years
Reminder: Do not accept secondary mortgage, the valuation is less than 1 million steps to accept the application
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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            Operating period: more than 1 year;
Place of registration: Shanghai local;
Age requirements: up to 15 years;
Valuation requirements: at least 1.5 million or more;
The collateral is located in the area: Shanghai local;
Mortgage strength: ordinary houses, villas, shops, office buildings, factories;
Age limit: 18 (inclusive) - between 60 years old (excluding);
Account restrictions: The borrower opens a personal settlement account at ICBC;
Other conditions: Other conditions specified by ICBC.
materials needed
            1. Original and copy of the valid identity document, household registration certificate and marital status certificate of the borrower and his spouse
2. The original and copy of the business license of the individual industrial and commercial households, the business license of the partnership enterprise or the business license of the enterprise legal person
3. Bank flow for nearly half a year, for public or private
4. The original and photocopy of the property right of the mortgage house, and the certificate of the right to the person (including the property owner) agreeing to mortgage
5. If the loan is guaranteed, the relevant information of the guarantor must be provided.
6. Other information requested by the bank
Interest rate statement
Loan term (month)Annual interest rate
1-12Benchmark interest rate rises by 15%


success case
48
Loan time 6 days Receiver: Ye Manager Application on May 23, 2015
Mr. Fan: Self-employed, with a business life of 5 years or more, has already obtained a business license.
405
20 days of loan time Receiver: Manager Liu Application on February 28, 2013
Mr. Yan: Business owner, with a business life of 5 years or more, the property type is commercial residential
168
20 days of loan time Receiver: Manager Liu Application on January 24, 2013
Mr. Yang: The business owner, with a business life of 5 years or more, has a good credit record within two years.
50
Waiting for money Receiver: Manager Liu Application on May 16, 2017
Mr. Yang: Local household registration, business owner, is a corporate legal person
50
Waiting for money Receiver: Manager Liu Apply on May 12, 2017
Mr. Wu: Local household registration, self-employed, business years of 5 years and above
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.
    2016-10-09
  • 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.
    2016-10-02
  • problem:
  • Reply:
    On January 19, the Beijing Municipal Housing and Construction Committee issued a message that the Jindi Yuejingtai self-occupied commercial housing will be on January 24, 2015, and the second selection of the family will be purchased at the Qiao Lizhi Hotel (Guanghua Road No. 8). Room activities. ||63797
    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.
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