What are the personal loan products of Industrial Bank? Take a look at these models

Industrial Bank has many types of personal loans, which can meet the needs of different borrowers, such as studying abroad, traveling, etc., or even those who urgently need capital turnover in production and operation. You can find the personal loan you want at Industrial Bank. Here are four introductions A variety of loan products.

1. Personal Overseas Study Loans Industrial Bank provides RMB loans to borrowers for overseas study abroad students (including Hong Kong, Macao and Taiwan) to study in secondary schools, universities and master's degrees or above (including preparatory studies), divided into There are two types of study abroad loans: withdrawal type and non-withdrawal type. The former is used to pay actual expenses such as tuition, miscellaneous fees, living expenses, etc. for students studying abroad, and the borrower can withdraw loan funds; the latter is used to issue the deposit certificate required for students studying abroad to apply for study abroad, and the funds are frozen during the loan period. , the borrower is not allowed to withdraw.

2. Personal travel loan: A RMB loan issued by Industrial Bank to the borrower on a credit basis for domestic and overseas travel expenses of the borrower or his traveling companions. Borrowers only need to provide proof of real estate or income to obtain an unsecured loan of up to 300,000 yuan, with a maximum credit period of up to 3 years.

3. Personal business loans are loans issued by Industrial Bank to borrowers for the borrower's working capital turnover, purchase or update of business equipment, payment of rent for leased business premises, decoration of commercial buildings and other legitimate production and business activities. Chinese citizens (including residents of Hong Kong, Macao and Taiwan) who comply with Industrial Bank's personal business loan policy and have full civil capacity, including individual industrial and commercial households, small and micro business owners, and farmers used for production and operation, can apply.

4. Personal pledge loan borrowers use personal time deposit certificates, certificated treasury bonds, personal policy rights, personal financial product beneficiary rights, personal trust beneficiary rights, and personal precious metals in their own names as pledges. Pledge is a credit business that obtains a certain amount of loan from Industrial Bank and repays the principal and interest of the loan upon maturity.