CITIC Bank Loan Industrial Bank Personal Commercial Loan

Four Advantages of Industrial Bank's Personal Business Loan

Every bank has its own loan business, and different loan businesses have different characteristics. Industrial Bank's personal business loans are mainly used for legal production and business activities such as the borrower's mobility, purchase or renewal of business equipment, payment of rent for leased business premises, and decoration of commercial housing. Industrial Bank's personal business loans have four advantages. Next, let's take a look.

Industrial Bank's personal business loans have the following four advantages:

1. Simple application and quick approval.

Simplify loan application procedures, complete application materials and complete approval within 5 working days to help customers seize business opportunities.

2. Credit and recovery

The term of a single credit can reach 10 year. During the credit period, the credit line can be recycled to avoid the trouble of repeated application.

3, self-service payment, convenient to save interest.

After obtaining the self-service quota, customers can borrow and repay by themselves through online banking and telephone banking of Industrial Bank without leaving home, saving financial expenses.

4. Diversified guarantees make loans easier.

Provide flexible and diverse guarantee methods such as pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee.

Choosing the right loan products and banks can save a lot of trouble. If the self-employed and entrepreneurs have problems, they can consider the personal business loan of Industrial Bank, and think that the personal business loan of Industrial Bank has the above advantages and is worth applying for.

What are the application conditions for personal business loans of Industrial Bank?

Personal business loans are for China citizens (including Hong Kong, Macao and Taiwan residents) who meet the personal business loan policy of Industrial Bank and have full civil capacity, including individual industrial and commercial households, small and micro business owners and farmers engaged in production and operation.

1, aged over 18 and under 60, having a fixed residence within the jurisdiction of the branch, permanent residence or valid residence certificate;

2. The borrower and its business entity have good credit and stable operation;

3. Other conditions stipulated by Industrial Bank.

What are the requirements for personal loans of Industrial Bank?

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.

Extended data

Relevant laws of the Interim Measures for the Administration of Personal Loans:

Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the examination and approval procedures, clarify the authority of loan examination and approval, implement the separation of loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization.

Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract and go through the mortgage registration formalities at the department designated by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined according to the regulations.

Article 21 During the mortgage period, the borrower shall not interrupt or cancel the insurance for any reason; During the insurance period, if the borrower's fault causes damage beyond the scope of insurance liability, the borrower shall bear all the responsibilities.