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Industrial and Commercial Bank of China - Consumer Mortgage Loans

Brief Introduction
Mortgaged property                             No identity restrictions 5 days loan
Optional amount of 300,000 to 200 million
Ten thousand yuan
Optional period from December to May
Months
1.54Ten thousand yuan
42954 Yuan

Interest rate description: monthly rate of 0.47%   Advance repayment instructions

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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            Age requirement: up to 20 years (commercial property up to 15 years);
Area requirements: at least 60 square meters;
Valuation requirements: at least 800,000;
The collateral is located in the area: Hangzhou;
Types of collateral: ordinary houses, villas, shops, office buildings;
Loan maturity: The sum of the age of the customer does not exceed 60 years.
materials needed
            1. The borrower and his or her spouse's valid identity documents, household registration certificate, original and copy of marriage status certificate;
2. Proof of personal income, such as personal tax payment certificate, salary and salary certificate, individual's dividend certificate in operating entities, rental income, deposits in ICBC or his bank in the past six months, certificates of average financial assets such as government bonds, funds, etc.;
3. Can reflect the details of the borrower's bank settlement account details or tax payment vouchers;
4. Original and copy of the mortgage ownership certificate. The right to dispose the person (including the owner of the property) agrees to the mortgage proof.
5. Other information requested by the bank.
Interest rate description
Loan period (months)Annual interest rate
12-60Benchmark interest rates rise 10-30%

The annual interest rate is determined based on the condition of the mortgaged property and the qualification of the applicant.

success case
80
Loan time 16 days Assignee: Shen Jing Manager Apply on February 27, 2017
Mr. Fang: The business owner, who has been operating for 3 months, has already obtained a business license.
260
Loan time 20 days Assignee: Shen Jing Manager Application for November 07, 2016
Mr. Lu: Self-employed, with a business life of five years or more, has already obtained a business license.
45
Lending time 15 days Assignee: Shen Jing Manager Apply on June 23, 2016
Mr. Zhao: Local household registration, business owner, operating period 5 years and above
90
Loan time 7 days Assignee: Shen Jing Manager May 06, 2016 Apply
Mr. Liu: The real estate type is commercial housing, the property valuation is 1.3 million yuan, the application amount is 800,000, and the acceptance amount is reached.
14
Loan time 3 days Assignee: Shen Jing Manager Apply on March 25, 2016
Mr. Wu: The self-employed has already obtained a business license, and the business registration place has not registered a business license.
common problem
  • 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.
    2016-10-05
  • 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.
    2016-09-26
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 the credit manager for confirmation.
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