ICBC personal consumption loan interest rates

1 in the location of the lending bank have a fixed residence, have permanent residence or effective proof of residence, at the age of 65 years (inclusive) Chinese citizens with full civil capacity of the following;
　　
2 there is a legitimate occupation and stable income, repayment of the loan with interest;
　　
3 have a good credit record and repayment will, no bad credit records;
　　
4 to provide legal, valid, reliable guarantee bank approved;
　　
5 a loan purpose clear, and the use of the loan in accordance with the relevant provisions;
　　
6 in the ICBC opened personal settlement account;
　　
Other conditions prescribed by the bank 7.
　　
The amount of the loan
　　
Loans from the bank according to the borrower's credit status and the guarantee offered to determine the specific amount of the loan. With the personal housing mortgage, the maximum loan amount does not exceed 70% of the value of the collateral; personal commercial housing mortgage, the maximum loan amount does not exceed 60% of the value of the collateral.
　　
The term of the loan
　　
The longest period of the loan shall not exceed 5 years, the use of the loans for health care and education, the longest period of 8 years (inclusive), no extension.
　　
　　Loan interest rates
　　
　　Loan interest ratesIn accordance with the provisions of the people's Bank of China term interest rates of the same grade;
　　
Personal consumer loans with interest rates one by one.
　　
Method of repayment
　　
The term of the loan in 1 years (including) within, the monthly interest, monthly, quarterly, half yearly or a principal repayment methods; for more than 1 years, the monthly repayment of principal and interest pattern.
　　
Shall submit a loan application data
　　
Bank loan applicant to apply in written form, fill in the application form, and submit the following documents:
　　
1 effective identity documents;
　　
2 permanent residence certificate or effective proof of residence, and fixed his residence certificate;
　　
Proof of marital status 3;
　　
Proof of 4 proof of income or personal assets;
　　
5 the housing mortgage loans, the need to provide mortgage housing all of the housing, the housing mortgage of property (including statutory common people) identity documents, proof of marital status, consent mortgages written proof; in accordance with the provisions of the collateral value assessment, provide evaluation report; housing mortgage from assessment, should be provide relevant certification materials from the evaluation conditions, including contract or an evaluation report;
　　
6 the loan use plan or statement;
　　
7, the bank asked for additional information.
　　
Operations Guide
　　
The bank to transfer to the specified personal settlement account loans. Other operating with personal auto loan.
　　
Information source: ICBC personal consumptionLoan interest ratesAnd management guidelines