Personal Credit Consumer Loan-Personal Banking-ICBC China
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Personal Credit Consumer Loan

☆ Introduction
RMB unsecured loan released by ICBC to qualified personal borrowers for the legal and compliant consumption purposes. No guarantee is required.

☆ Features
Convenient! The loan will be credited soon after self-service application.
Discounted! The loan rate is as low as 6.9%.
Flexible! Supporting straight line repayment, the loan has a grace period of 6 months.
High-amount! Starting at RMB600, you can apply for as high as RMB300,000.
Unsecured! No guarantee is required.

☆ Application Conditions
1. Chinese citizen with full civil capacity, aged between 18 and 60;
2. Working or living in the area where the loan granting institution is located;
3. Having a steady job, stable source of income or reliable guarantee for repayment;
4. Other conditions stipulated by ICBC.

☆ Loan Term
With a maximum term of two years, the loan cannot be extended.

☆ Mode of Repayment
The loan can be repaid in the following methods:
1. Straight line repayment (repay the same amount each month);
2. A grace period can be applied for the term of one year and above. No repayment is required in the first six months, after which straight line repayment shall be applied. Loan rate accrued in the grace period ("grade period rate") shall be apportioned to the following months, and the Bank will calculate compound interest on the outstanding grade period interest;
3. Advance repayment.
You can appoint a repayment method with the Bank based on actual needs.

The information contained herein is for reference only. Terms and conditions are subject to regulations issued by local ICBC branch. To save your time, please call a local ICBC branch or 95588 before applying for the service.