How to inquire about the loan progress of Industrial Bank

There are four ways to query the approval progress of Industrial Bank's credit card:

1. Open a credit card of Industrial Bank. Official website can query by entering his ID number in the column of "Progress Query".

2. Pay attention to the public micro-signal of Industrial Bank's credit card, and check the card processing progress through "micro-card".

3. Call the Credit Card Center of Industrial Bank (9556 1) for language phone prompts, or ask the manual customer service to provide the ID number to inquire about the card processing progress;

4. Bring my ID card to the counter of Industrial Bank's business outlets, and check the progress of card processing through the staff.

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.

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.