The Business Bank, China ' s largest State-owned bank and the world ' s leading financial institution, is a key force in serving the real economy, promoting financial innovation and supporting social stability. It provides all-encompassing financial products and services, personal deposits and loans, business credit, international settlements, capital market operations, all of which you can get. It has many “seconds, low-interest, simple” credit products. What are the types of personal loans of the Bank of Commerce and Industry, and what requirements do you have to meet before you can apply

What are the types of individual loans from business banks? We need to meet these conditions

What are the types of individual loans from business banks? We need to meet these conditions

First, let's see what kind of personal loans the Bank of Commerce and Industry has:

Credit loans: You do not need any collateral or guarantee, and if you have a good personal reputation, you can get tens to hundreds of thousands of letters of credit. However, the interest rate on credit loans is higher and the amount is lower than the mortgage。

Mortgages: As long as you can provide a bank-approved mortgage, you can apply for personal loan products. The higher the value of the collateral, the greater the amount of credit you can apply for, and the greater the likelihood of approval。

3 Cash instalments: If you have a credit card with a business bank, you can use this financial instrument to apply for a credit card cash instalment, convert the credit line into cash and then repay it in instalments。

Now you might want to know what conditions are required to apply for a loan

First, you must be between the ages of 18 and 60 and have full civil capacity

2. You need to produce a legal certificate of identity and a certificate of domicile (or valid residence) at the place where the loan is made

3. You need to maintain good personal credit, have no poor credit records for the last two years, such as overdue ones, and have the ability and willingness to pay on time

4. You must have a legal and stable source of work and economic income, meet other conditions required by the Bank of Commerce and Industry and open a personal clearing account with the Bank of Commerce and Industry。

If you meet the above conditions, you can bring your relevant documents, go to the nearest business bank site or apply on their official website. After the Bank of Commerce and Industry has verified your basic information, it will enter into a loan contract with you and will issue the loan as required by the contract, as long as you promise to repay the loan in a timely manner。